Lone Star Financing - Austin Mortgage Lender
Buying a new home in Austin? Lone Star Financing is a local Austin, TX lender with competitive rates, in-house underwriting, and fast closings. Approved VA and FHA lenders with personalized service.
FHA, VA, & Jumbo Loans
Direct Mortgage Lender
In-House Underwriting
Low Rates & Low Fees
Free Good Faith Estimate
Austin Customer Service!
Mortgage Company in Austin
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!
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 Austin Home Loans
Austin New 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 $806,500
- 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
- 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. In-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.
Service
Austin mortgage company for outstanding customer service- We focus on client needs, ensuring a stress-free experience start to finish
Get Pre-Qualified Today!
It's our People!
Shawn Dulac
Loan Officer
NMLS #1320463
Chris Lederer
Sr. Loan Officer
NMLS #2004549
James Hair
Loan Officer
NMLS #1680348
Marla McGee
Sr. Loan Officer
NMLS #1133114
Brett Dempsey
Sr. Loan Officer
NMLS #2014728
Lone Star Financing - Austin, TX Mortgage Lender
AUSTIN MORTGAGE RATES - CALL TODAY
CALL TODAY (855) 314-8080
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 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 (2025)
The average sales price of homes in Austin is $592,379. This value was quoted from Austin Zillow February, 2025 and only includes the middle price tier of homes. Austin home values have gone down 7.4% over the past year. This value is seasonally adjusted and only includes the middle price tier of homes. There are currently 2,416 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.
