About Us

Texas Mortgage Experts You Trust

Local expertise, transparent guidance, lower rates and a better experience

Lone Star Financing office sign representing a Texas home loan lender

⭐ Top-Rated Mortgage Broker for Texas Homebuyers

Expert guidance. Better options.

A smoother path to homeownership.

Lone Star Financing is a trusted Texas mortgage broker specializing in new home loans and mortgage refinancing. We deliver competitive rates, clear guidance, and a personalized approach designed to make the home loan process simple, efficient, and stress-free.

As a mortgage broker, we offer access to wholesale pricing and multiple lenders—providing more flexibility and better loan options than traditional banks. From consultation through closing, our experienced team stays hands-on to ensure a smooth, well-communicated lending experience.

The Lone Star Financing Advantage

Approved lender for FHA, VA, and USDA.

Real People. Local Expertise. Better Service.

Brett Dempsey

Brett Dempsey Branch Manager at Lone Star Financing

Branch Manager

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, delivering clear guidance and personalized solutions. Known for his straightforward approach, loan product expertise and strong communication, Brett is committed to making the home loan process smooth, informed, and stress-free from start to finish.

Debbie Odell

Debbie Odell Senior Loan Officer at Lone Star Financing

Sr. Loan Officer

NMLS# 1121045

Debbie Odell is a Senior Loan Officer with over 25 years of experience as both a processor and originator. She helps clients secure the right financing for purchases, refinances, and investment properties with a personalized, transparent approach. As a mortgage broker with Lone Star Financing, Debbie works with a wide network of lenders to deliver competitive options and guide clients through every step with clarity and confidence.

Glen Dicken

Glen Dicken Senior Loan Officer at Lone Star Financing

Sr. Loan Officer

NMLS# 313548

Glen Dicken is a Senior Loan Officer serving Plano, the greater DFW area, and clients across Texas. With extensive experience in both QM and Non-QM lending, Glen brings strong industry knowledge and a client-focused approach to every transaction. He is dedicated to helping borrowers navigate the complexities of home financing with confidence, delivering tailored loan solutions, clear communication, and exceptional client service.

Neal Pyles

“Neal

Loan Officer

NMLS# 1929617

Neal Pyles is a Loan Officer serving the Dallas–Fort Worth area and clients across Texas. With over eight years of mortgage experience and a background in Economics and Marketing from the University of North Texas, Neal specializes in first-time homebuyers, self-employed borrowers, 1099 income, and DSCR investment property loans, delivering a clear, simple, and personalized lending experience.

Jen Papaelias

Jen Papaelias Senior Loan Officer at Lone Star Financing

Sr. Loan Officer

NMLS# 2692859

Chien “Jen” Papaelias is a Senior Loan Officer with over 12 years of experience in residential mortgage lending, specializing in Conventional, FHA, VA, and DSCR loan programs. Known for her professionalism, market knowledge, and client-first approach, Jen delivers clear communication, superior service, and personalized guidance from application through closing. She proudly calls Houston, Texas home.

Mark Dusza

Mark Dusza Senior Loan Officer at Lone Star Financing

Sr. Loan Officer

NMLS# 860825

Mark Dusza is a Senior Loan Officer with more than 25 years of mortgage experience. He specializes in home purchases, mortgage refinances, and DSCR loans. Mark is known for his steady guidance, market insight, and commitment to delivering tailored financing solutions. From consultation to closing, he focuses on educating clients to ensure a smooth experience throughout the entire loan process.

Ryan Wood

Ryan Wood Senior Loan Officer at Lone Star Financing

Sr. Loan Officer

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.

Lisa Collins

Lisa Collins Loan Officer at Lone Star Financing

Loan Officer

NMLS# 2689135

Lisa Collins is a dedicated mortgage loan originator based in Austin, known for exceptional customer service. She specializes in residential home loans and DSCR financing for real estate investors, guiding clients through the mortgage process with confidence and delivering personalized solutions and responsive support from application through closing.

Allen Lundberg

Allen Lundberg Senior Loan Officer at Lone Star Financing

Sr. Loan Officer

NMLS# 277507

Allen Lundberg is a Senior Loan Officer at Lone Star Financing with over 25 years of experience guiding clients through the mortgage process. Known for his strategic, problem-solving approach, Allen specializes in Conventional, FHA, and VA loans and delivers tailored solutions through clear communication and strong relationships. He proudly calls Austin home.

Randy Meeks

Randy Meeks Senior Vice President Commercial Lending at Lone Star Financing

Sr. Vice President

Commercial Lending

Randy Meeks is Senior Vice President of Commercial Lending, bringing decades of experience in banking, credit underwriting, and asset-based lending. He has served in senior leadership roles including Chief Credit Officer and Executive Vice President, overseeing complex commercial and real estate transactions. Randy is known for his disciplined approach, deep credit expertise, and practical solutions for investors.

Kittrick Taylor

Kittrick Taylor Vice President Commercial Lending at Lone Star Financing

Vice President

Commercial Lending

Kittrick Taylor brings a strong sense of community and trust to his clients. With a background in Business Management and nine years of experience in commercial insurance, he developed deep expertise in financial analysis and risk assessment. Today, Kittrick applies that foundation to commercial lending, delivering practical guidance and client-focused financing solutions.

Ryan Collins

Ryan Collins Operations and Business Development at Lone Star Financing

Operations

Business Development

Ryan Collins, a Texas Tech graduate, brings over 20 years of experience in the mortgage industry. He leads business development and marketing initiatives at Lone Star Financing, collaborating across departments to enhance the customer experience. With a passion for marketing and user interface design, Ryan focuses on streamlining the loan process for greater efficiency.

Why Choose Lone Star Financing
 

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 serving homebuyers statewide

Trusted by Texas Homebuyers

Real feedback from Lone Star Financing clients across Texas.

4.6 out of 5

★★★★★

Based on 54 Google reviews

Sharon Darby

Sharon Darby

Google
★★★★★

Outstanding experience with Lone Star Financing, thanks entirely to Brett. He did a phenomenal job from start to finish. His knowledge, creativity, and experience made all the difference when challenges arose.

Michael Underwood

Michael Underwood

Google
★★★★★

As a realtor in Austin, I’ve worked with Lone Star Financing for nearly a decade. Their loan officers are among the best communicators in the business and consistently provide timely updates throughout the process.

Joshua Hayden

Joshua Hayden

Google
★★★★★

Great experience working with Lone Star Financing. The team was knowledgeable, responsive, and made the entire process smooth from start to finish. Highly recommend for anyone looking for a reliable mortgage broker.

Work with a licensed Texas mortgage broker backed by experienced loan officers who understand Texas lending guidelines, multiple loan programs, and how to structure financing that fits your goals. Lone Star Financing provides personalized guidance, competitive options, and local expertise to help you navigate the mortgage process with clarity and confidence.