ABOUT US
We are a local Texas mortgage company headquartered right here in Austin, Texas. As a direct lender we can close loans anywhere in the state – whether new home purchase or refinance in Austin to El Paso we’ve got you covered. We are a direct lender offering a full line of home loan products with low rates, low fees, and fast closings. With in-house underwriting and processing we can make decisions faster than traditional mortgage brokers – we strive to close every loan in 28 days or less.
Your Local Texas Lender
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.
- Direct Texas Lender
- In-house Underwriting
- Low Rates & Low Fees
- Free Good Faith Estimate
- Close on Time
- Top Notch Service
We are an approved Texas lender for FHA loans, VA loans, and USDA loans.
Why More Texans Choose Us ?
It's Our People!
Brett Dempsey, is local to the Dallas area, and brings over a decade of experience across all levels of the mortgage industry. Brett is dedicated to helping clients navigate the home loan process with confidence. Specializing in FHA, VA, conventional, DSCR, construction and refinance loans, he provides personalized guidance to find the best financing solutions. Known for his expertise, clear communication, and commitment to customer satisfaction, Brett is here to guide borrowers and turn homeownership into a reality.
James Hair is a finance professional with 10 years of experience in consumer finance, banking, and mortgage loans. Originally from Brownfield, East Baton Rouge, James graduated with a finance degree from Mississippi Delta, where he was active in student government and served as a campus ambassador. James has held roles as an Assistant Vice President and Branch Manager at Regions Bank in Baton Rouge. Certified as a Mortgage Loan Originator and underwriter, he promotes financial wellness through seminars on credit, budgeting, and more. A Louisiana native, James is dedicated to helping his community achieve homeownership.
Shawn Dulac is a mortgage professional for the states of Maine, Texas, and Florida. He graduated with a double major in French and Secondary Education. He was a classroom high school for seven years before transitioning to financial services. He has been a mortgage professional for ten years. In his spare time, he likes spending time his family camping, traveling, and being outside.
With over 20 years of experience in the mortgage industry, I’m committed to helping you make informed, confident decisions when it comes to home financing. Whether you’re purchasing your first home, upgrading to a new one, or refinancing your current mortgage, I take the time to truly understand your goals and financial situation. My approach is straightforward, friendly, and tailored to your needs—ensuring you feel supported and well-informed every step of the way. A mortgage isn’t just a loan; it’s one of the most important financial tools for building long-term wealth. I’m here to help you navigate the process with clarity, care, and confidence.
Pamela Trevino is a bilingual Mortgage Loan Officer in the Rio Grande Valley with over a decade of leadership and customer service experience. Much like my wide range of my music preferences, from Leon Rivers to Iron Maiden, I specialize and enjoy securing the financing for all types of residential real estate needs; from first-time homebuyers to seasoned investors. My focus is to make your home financing journey smooth and successful with a personalized, top-notch service tailored to your unique goals, because I am passionate about helping people invest in themselves.
Roman Balley is an accomplished mortgage professional with 18 years of experience in the mortgage industry. As the Production Manager, he ensures his teammates are provided with the best tools, resources, products and above all, the time needed to give the best possibly experience to their clients and business partners. Customer service and communication is at the top of the list for Roman and he helps to ensure that your loan application and entire loan process will be as straight forward and painless as possible.
Ricardo Trejo is a highly accomplished loan officer based in Austin, TX, with over 20 years of experience in finance, banking and residential mortgage lending. Ricardo is the branch manager of the Austin office and has a proven track record of helping Austinites achieve their dream of home ownership with a high level of satisfaction. Ricardo holds and MBA in finance and a BBA in finance and economics from the University of Texas at San Antonio and is fully bilingual in both English and Spanish. His extensive expertise and commitment to client satisfaction make him a valuable asset to the mortgage industry.
Ryan Collins, a West Texas native, graduated from Texas Tech University in 1997 and has over 20 years of experience in the mortgage industry. Now based in Austin, TX, he plays a key role on the marketing team at Lone Star Financing, collaborating across departments to enhance the customer experience. Passionate about marketing and user interface, Ryan is dedicated to streamlining the loan process for a seamless and efficient experience. Outside of work, he enjoys golf, camping, and cheering on his favorite college football teams.
Eden Vick is a residential and Texas commercial lending expert with over 20 years of experience. Starting in the residential space she is an award winning originator and has built tip teams in the organizations she has worked. With years of training experience she loves sharing her knowledge and experience with her team and referral partners. Eden has served as a subject matter expert through various avenues including speaking at industry trade shows. She is also frequently a contributor on Real Estate U Multimedia Show and a producer on American Dream TV show. Eden has a strong belief in building wealth through real estate investing and helping real estate professionals reach their goals.
