Austin Texas Mortgage Lender

LONE STAR FINANCING

AUSTIN, TX
HOME LOANS

Low Rates, Low Fees, Fast Close

Lone Star Financing - Local Austin Mortgage Lender

Lone Star Financing, your direct mortgage lender in Austin, offers competitive rates, in-house underwriting, and quick loan closings. As experts in Texas home loans, we’re also a certified VA and FHA lender, ensuring we meet a wide range of needs. Whether you’re purchasing a new home or refinancing, we deliver efficient, personalized service to help you secure the perfect loan.

  • New Home Loans 
  • Direct Mortgage Lender
  • In-House Underwriting 
  • Low Rates & Low Fees 
  • Free Good Faith Estimate
  • Austin Customer Service!

Austin Mortgage Company

Best Mortgage Lender in Austin
Local Austin, TX Mortgage Company

Welcome to Lone Star Financing – we are a direct mortgage lender right here in Austin, TX. As a direct lender, we 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 Texas.  Whether you need help with a new home loan or mortgage refinance, Lone Star Financing has you covered! 

More About Us

Texas Home Loans Done Right!

Lone Star Financing is proudly based in Austin, Texas, which means we’re always close by and ready to assist you. As a direct lender, we can close loans anywhere in the state, whether you’re purchasing a new home or refinancing—whether you’re in Amarillo, El Paso, Beaumont, or anywhere in between, we’ve got you covered. We offer a comprehensive range of home loan products with competitive rates, low fees, and quick closings. Thanks to our in-house underwriting and processing, we make decisions faster than traditional mortgage brokers, aiming to close every loan within 30 days or less.

As a local Texas mortgage company with in-house underwriters, we bring a “common sense” approach to underwriting, offering flexibility and a personalized touch. 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.

Our Home Loan Programs

Austin Home Loans

Looking to buy a new home in Austin? We offer a variety of home loan programs available for new purchases:

  • Primary, secondary, investment 
  • FHA, USDA, and VA Loans  
  • 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 $766,500 
  • Primary home, secondary, investment
  • Up to 95% Financing

Austin 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 Payment
  • Easier Credit Qualifying   
  • 203k Renovation Loans
  • 1st Time Home Buyers

Austin 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. 

  • Zero down, 100% Financing
  • No Monthly PMI   
  • No Debt to Income Restrictions
  • VA Jumbo Loans with Down Payment

Austin USDA Loans

USDA home loans are for rural properties in Austin and offer 100% financing (zero down) for eligible properties:

  • Rural Properties -100% Financing  
  • Primary Residence Only  
  • Closing Costs Can Be Rolled In
  • Low Interest Rates

Austin 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 Homes
  • Investor Specific Guidelines
  • Credit Score Minimums

Cash Out Refinance

Unlock the equity in your home with a Texas Cash Out Refinance – enjoy lower interest rates and flexible loan refinance options.

  • Home Improvements
  • Debt Consolidation 
  • Personal Expenses
  • Higher Education

Mortgage Refinance

Lone Star Financing offers low rates and a streamlined hassle free process to refinance your mortgage in Austin. 

  • Reduce Monthly Payment
  • Shorten Mortgage Term 
  • FHA Streamline Available
  • VA IRRRL Streamline

Austin, Texas Mortgage Experts

Close on Time

Our goal is to close every loan in 28 days or less. n-house underwriting, processing, and closing 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.

Customer Service

Austin mortgage company for outstanding customer service- We focus on client needs, ensuring a stress-free experience start to finish

Austin, TX Mortgage Pre-Approval
Jump in Front of the Line
Get Pre Approved Today!
Get pre-approved before you fall in love.
Why Choose Lone Star Financing?
It's our People!
Austin, TX Loan Officer

Shawn Dulac

Sr. Loan Officer
NMLS #1320463

Pam Trevino - TX Loan Officer

Pam Trevino

Sr. Loan Officer
NMLS #2188276

Ricardo Trejo - Lakeway, TX

Ricardo Trejo

Branch Manager
NMLS #347481

Eden Vick - TX Lender

Eden Vick

Sr. Loan Officer
NMLS #490185

Roman Balley - Lone Star Financing

Roman Balley

Production Manager
NMLS #2267211

"Best Mortgage Lender in Austin...." See what our clients are saying
Rebeka L
Rebeka L
Heartland, TX - 1 month ago
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Brenda was quick to respond to questions I had and made herself available to me. She was very patient and understanding when having to resolve issues regarding my ex. The entire team, in fact, was great and a true godsend!
Michael Underwood
Michael Underwood
Austin, TX - 1 week ago
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As a realtor here in Austin, TX, I’ve been working with Lone Star Financing for almost a decade. The loan officers at Lone Star financing are without a doubt the best communicators in the business. They provide timely updates to me and my buyers from the start of the loan to close of sale and I can't tell you how important that is during a real estate transaction. I recommend all of my clients use Lone Star financing because unlike a lot of mortgage companies they can close loans on time. During one of the most critical times of my customers lives, it's imperative that all links of the chain are strong. Having the right lender in place is key. Thanks Lone Star!
Jordan Rodriquez
Jordan Rodriquez
Bastrop, TX -2 weeks ago
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I was thoroughly impressed with the customer service from start to finish. I had a lot of questions and they were all answered. I recommend lone star to first time home buyers as well as those who have note done it before.
Veronica M.
Veronica M.
Camey, TX - 1 week ago
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Making me feel comfortable through the entire process as I was a bit nervous but Keith’s ways with his words and staying professional never made me feel overwhelmed, as well as the staff members that also helped me. The whole process was a smooth ride with no bumps and that was a great feeling making this single mother very happy with the outcome!!! Thanks!!!
Scott Kruse
Scott Kruse
San Marcos, TX - 2 months ago
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I have gone through the home financing five times, and this is my second re-finance. The team at Lone Star Financing was the best experience I've ever had going through the mortgage process. The previous finance company I used to purchase my home was the worst experience I'd ever had in getting a mortgage. I was extremely hesitant to go through the re-finance process, but with the interest rates being so low I knew I would be saving a lot of money. I did the research to find a highly reviewed local financing company, and Lone Star Financing was the best. They did an outstanding job helping me through the process, made it incredibly easy and quick. More...
David, Y
David, Y
San Antonio, TX - 1 month ago
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Thanks for helping us through the loan refinance process. P.S. The only reason we can't refer family and friends is we don't live in Texas or have any contacts there!
Lisa Elston
Lisa Elston
Austin, TX - 1 week ago
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Lone Star Financing was the best-from the first phone call and I can honestly say there will be no last phone call-when he asked for docs I delivered and when I asked for something (answers) he delivered-very happy with the process he took my husband and I through and we are now blessed to own our dream home -I’ve already referred him To our son and he will be ready to purchase probably in the next six months and told him that Jimmy Smith is the man!!
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Lone Star Financing - Austin, TX Mortgage Lender

AUSTIN MORTGAGE RATES - CALL TODAY

CALL TODAY (855) 314-8080

2024 Best Austin Lender
Best Austin Lender

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 to fit their needs. With all underwriting handled in Texas, our team has a deep understanding of local guidelines, streamlining the loan process for faster approvals. We offer a range of loan products, including conventional, FHA, VA, and USDA home loans, with competitive rates and flexible terms. Whether you’re a first-time buyer or looking to refinance, we offer same-day pre-approvals and no-cost good faith estimates to get you started. We’re excited to assist you on your journey to homeownership!

Our Texas Locations

Austin area real-estate (2024)

The average sales price of homes in Austin is $654,279. This value was quoted from Austin Zillow October, 2024 and only includes the middle price tier of homes. Austin home values have gone up 41.4% over the past year.  This value is seasonally adjusted and only includes the middle price tier of homes. Austin home values have gone up 38.4% over the past year. There are currently 2,316 homes listed for sale on Trulia Austin Home Search.