Texas Home Loans,
Done Right!
Your Local Texas Mortgage Experts
Lone Star Financing is a Texas-based mortgage company headquartered in Austin, serving homebuyers and homeowners across the state. As a direct lender, we offer a full range of loan options for both purchases and refinances— from Austin to El Paso and everywhere in between. With competitive rates, low fees, and in-house underwriting and processing, we’re able to move faster than traditional lenders and aim to close most loans in 21 days or less.
Texas Trusted Mortgage Company
Our mission statement is simple: integrity, customer service and upfront lending. It’s this simple recipe has propelled us to one of the top mortgage companies in Texas.
- Texas Mortgage Broker
- Low Rates & Low Fees
- Free Good Faith Estimate
- Close on Time
- Top Notch Service
We are an approved Texas lender for FHA, VA, and USDA loans.
Why More Texans Choose Us ?
It's Our People!
Brett Dempsey
NMLS# 2014728
Brett Dempsey, is based in the Dallas area and brings over a decade of experience in the mortgage industry. He specializes in FHA, VA, conventional, and DSCR loans, providing clear guidance and personalized solutions. Known for his straightforward approach and strong communication, Brett is committed to making the loan process smooth, informed, and stress-free for every client.
Ryan Wood
NMLS# 1757471
Ryan Wood is based in the Dallas–Fort Worth area and a graduate of the University of Texas at Arlington. With over five years of experience as a mortgage processor, Ryan brings a detail-driven, client-focused approach to his role at Lone Star Financing. Known for strong communication and relationship-building, he helps ensure a smooth, efficient loan process while delivering exceptional service at every stage.
Chris Lederer
NMLS# 2004549
Chris Lederer is a seasoned mortgage professional based in the Dallas–Fort Worth area with over a decade of experience in residential lending. With a strong background in consumer lending and underwriting, he excels at structuring compliant, well-aligned loan solutions. Known for his analytical approach and attention to detail, Chris delivers a smooth, transparent mortgage experience for both first-time buyers and experienced investors.
Jen Papaelias
NMLS# #2692859
Chien “Jen” Papaelias is a Senior Loan Officer with over 12 years of experience in residential and commercial lending, specializing in Conventional, FHA, VA, DSCR, and commercial loan programs. With experience originating loans both internationally and in Texas, she brings a global perspective to U.S. real estate financing. Known for her professionalism and client-first approach, Chien provides personalized guidance from application through closing.
David Howes
NMLS# 1438746
David Howes is a Senior Loan Officer at Lone Star Financing with over 20 years of experience as a mortgage originator. A California native now based in North Dallas, David brings a strong background from the wholesale and broker channels. He specializes in Non-QM lending and is known for delivering flexible, well-structured solutions tailored to each client’s unique financial profile.
Ryan Collins
Ryan Collins, a West Texas native and Texas Tech University graduate, Ryan brings over 20 years of experience in the mortgage industry. Now based in Austin, he plays a key role on the marketing team at Lone Star Financing, collaborating across departments to improve the customer experience. With a passion for marketing and user interface design, Ryan focuses on streamlining the loan process for greater efficiency. Outside of work, he enjoys golf, camping, and college football.