⭐ Top-Rated Mortgage Broker for Austin Homebuyers
Your Austin Mortgage Broker for New Home Loans & Refinancing
Lone Star Financing is a local Austin mortgage broker offering competitive rates, flexible loan options, and personalized service.
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.
- FHA, VA & Jumbo Loans
- Wholesale Pricing
- More Loan Options
- Fast Approvals
- Low Rates & Fast Close
- Texas Customer Service!
Explore 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. Our team works closely with you to identify the right financing options based on your goals, budget, and timeline.
Offering competitive FHA loans, flexible VA home loans, DSCR financing, Conventional mortgages, and Jumbo home loans — structured to meet the needs of Austin buyers across a wide range of home prices and property types.
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 Broker with Low Rates, Low Fees and Fast Closings. FHA, VA, and USDA Approved
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 in Texas 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 mortgage company. 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 Texas mortgage broker, we help clients secure financing 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 by working with a network of trusted lending partners, giving our clients access to competitive rates, lower fees, and flexible loan programs. This broker model allows us to shop multiple lenders on your behalf and match you with the best solution for your specific situation. Our streamlined process and dedicated support team are focused on delivering efficient closings—often in as little as 21 days.
As a local Texas mortgage broker, we take a practical, common-sense approach to structuring loans—prioritizing flexibility, personalized service, and a smooth experience from application to closing.
Better Rates. Lower Fees. Faster Closings.
Lone Star Financing is a trusted mortgage broker in 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.
Glen Dicken
Sr. Loan Officer
NMLS #313548
Chris Lederer
Production Manager
NMLS #2004549
Jen Papaelias
Sr. Loan Officer
NMLS #2692859
Brett Dempsey
Branch Manager
NMLS #2014728
Allen Lundberg
Sr. Loan Officer
NMLS #277507
AUSTIN MORTGAGE LENDING
CALL TODAY (855) 314-8080
Lone Star Financing is a trusted Texas mortgage broker, specializing in residential home loans and mortgage refinance 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.
Serving Homebuyers Across Central Texas
In addition to Austin, Lone Star Financing provides mortgage solutions throughout Central Texas. Below are nearby cities where we also offer home loan and refinancing services.
Serving Home Buyers Across Texas : In addition to these Central Texas locations, Lone Star Financing provides mortgage solutions state-wide in Texas. Below are all service area cities where we also offer home loan and refinancing services. Lone Star Financing– your local Texas mortgage company with the best rates, lowest fees, and top notch customer service.
South 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 broker in Austin, known for its commitment to exceptional service, competitive rates, and a seamless loan process. As a locally based mortgage company, 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.