Your Austin Lender for New Home Loans & Mortgage Refinancing
Buying a new home in Austin? Lone Star Financing is a trusted local Austin, TX mortgage lender dedicated to helping homebuyers secure the right financing with confidence. We offer competitive mortgage rates, flexible loan options, and personalized service designed to meet the needs of today’s Austin buyers.
As a mortgage broker we have access to +20 lenders and wholesale pricing—which means lower rates and fast closings. We provide expert guidance and tailored home loan solutions, supporting you from application to closing and beyond.
- Mortgage Broker
- Wholesale Pricing Access
- Low Rates & Low Fees
- Free Good Faith Estimate
- Austin Customer Service!
Our Austin Home Loans
New Home Loans
Looking to buy a new home in Austin? We offer a variety of home loan programs available for new purchases:
- Primary or secondary
- FHA, USDA, and VA
- Conventional Loans
- Low Rates & Variable Terms
Conventional Loans
Conventional loans offer several advantages, including lower interest rates and flexible mortgage insurance options.
- 30, 20 and 15-Year terms
- Financing up to $832,750
- Primary, secondary home
- Up to 95% Financing
FHA Loans
FHA loans are perfect for first time home buyers in Austin – only 3.5% down payment and gift funds are allowed.
- Only 3.5% Down
- Easier Credit Qualifying
- 203k Renovation Loans
- 1st Time Home Buyers
VA Loans
We are an approved VA lender in Austin with low rates and we are here to help our Texas Vets maximize their benefits.
- 100% Financing
- No Monthly PMI
- No DTI Restrictions
- Jumbo Options Available
USDA Loans
USDA home loans are for rural properties in Austin and offer 100% financing (zero down) for eligible properties:
- 100% Financing
- Primary Residence Only
- Closing Rolled In
- Low Interest Rates
Jumbo Loans
Austin jumbo mortgages up to $3,000,000, financed through private investor programs with flexible guidelines.
- Loans up to $3,000,000
- Primary & Secondary
- Investor Guidelines
- Credit Score Minimums
Cash Out Refinance
Unlock the equity in your home with a Texas Cash Out Refinance – enjoy lower rates and flexible loan refinance options.
- Home Improvements
- Debt Consolidation
- Personal Expenses
- Higher Education
Refinance
Lone Star Financing offers low rates and a streamlined hassle free process to refinance your mortgage in Austin.
- Lower Monthly Payment
- Shorten Mortgage Term
- FHA Streamline Available
- VA IRRRL Streamline
DSCR Loans
Austin DSCR loans for real estate investors and income-producing rentals—no tax returns, W-2s, or pay stubs required.
- $3M+ (85% LTV)
- No Income Verification
- Rental Income to Qualify
- Multifamily, Airbnb, STR
A Smarter Way to Finance Your Home
Lone Star Financing is your trusted Austin mortgage expert, offering personalized home loan guidance supported by a strong understanding of the local market. Our team works closely with you to identify the right financing options based on your goals, budget, and timeline.
From first-time homebuyers to experienced homeowners, we bring deep insight into Austin neighborhoods, pricing trends, and local lending nuances.
Close on Time
Our goal is to close every loan in 21 days or less. As a broker with controlled processing we can ensure fast approvals and timely funding.
Low Rates & Fees
Austin Mortgage Lender with Low Rates, Low Fees and Fast Closings. FHA, VA, and USDA Approved Lender.
Service
Austin mortgage company for outstanding customer service- We focus on client needs, ensuring a stress-free experience start to finish
Trusted Austin Mortgage Experts
Welcome to Lone Star Financing – As a mortgage broker, we shop your loan with 20+ lenders and offer low rates and close loans fast. As a technology-driven mortgage company, we provide a secure platform where you can easily complete your application, sync bank accounts, upload documents, and receive full loan approval.
The right mortgage begins with the right lender. We have been closing loans in Austin since 2007 and our motto is simple: integrity, customer service and upfront lending. It’s this simple recipe has propelled us to one of the top mortgage companies in Austin, Texas. Whether you need help with a new home loan or mortgage refinance, Lone Star Financing has you covered!
Lone Star Financing is proudly based in Austin, Texas, allowing us to stay closely connected to the communities we serve across the state. As a direct lender, we’re able to close loans anywhere in Texas—whether you’re purchasing a new home or refinancing an existing mortgage. From Amarillo to El Paso, San Antonio, and everywhere in between, our team is equipped to help Texas homebuyers move forward with confidence.
We offer a full range of home loan options with competitive rates, low fees, and efficient closings, supported by in-house underwriting and local processing. This structure allows us to make faster, more informed decisions than traditional mortgage brokers, with a strong focus on closing loans in 21 days or less. As a local Texas mortgage company, we take a practical, common-sense approach to underwriting—delivering flexibility, personalized service, and a smooth lending experience from start to finish.
Our mission is straightforward: integrity, exceptional customer service, and transparent lending. This winning formula has helped us become one of the top mortgage companies in Texas. We are an approved lender for FHA, VA, and USDA loans, ensuring we meet a variety of needs across the state.
Better Rates. Lower Fees. Faster Closings.
Lone Star Financing is a trusted mortgage lender serving Austin, TX, with more than 20 years of experience closing home loans across Texas. As a mortgage broker, we help deliver better rates, lower fees, and a streamlined lending process—so your transaction moves forward smoothly and efficiently.
Allen Lundberg
Sr. Loan Officer
NMLS #277507
Chris Lederer
Production Manager
NMLS #2004549
Jen Papaelias
Sr. Loan Officer
NMLS #2692859
Ryan Wood
Sr. Loan Officer
NMLS #1757471
Brett Dempsey
Branch Manager
NMLS #2014728
AUSTIN MORTGAGE LENDING
CALL TODAY (855) 314-808
Lone Star Financing is a trusted local mortgage lender in Austin, specializing in residential home loans tailored to the Austin, TX market. Our experienced loan officers provide personalized solutions to homebuyers, ensuring they find the best financing options tailored to their individual lending needs.
Our Locations : Looking to buy a new home in Texas? No matter where you live, our Texas home loan experts are here to help. We are a direct mortgage lender right here in Texas and can close loans anywhere in the state. Lone Star Financing– your local Texas mortgage company with the best rates, lowest fees, and top notch customer service.
South Texas Lending
Central Texas Lending
Austin area real-estate (2026)
The average sales price of homes in Austin is $572,479. This value was quoted from Austin Zillow February, 2026 and only includes the middle price tier of homes. Austin home values have gone down 4.4% over the past year. This value is seasonally adjusted and only includes the middle price tier of homes. There are currently 2,216 homes listed for sale on Trulia Austin Home Search.
Lone Star Financing is a trusted local mortgage lender in Austin, known for its commitment to exceptional service, competitive rates, and a seamless loan process. As a locally based lender, we have a deep understanding of the Austin real estate market, allowing us to provide personalized mortgage solutions tailored to the unique needs of homebuyers, homeowners, and investors.