Mortgage Rates Hit 12-Month Low — Will the Texas Housing Market Respond?
Mortgage rates hit a 12 month low but will the housing market respond? The average national rate for 30-year fixed-rate mortgages was 6.19% in the most recent week, Freddie Mac said on Oct. 28, 2025. But will this translate to more Texas home owners selling?
Lone Star Financing Joins The Sears Group’s Allied Partner Community
We’re excited to announce that Lone Star Financing has officially partnered with The Chris Sears Group and is now a proud member of their Allied Partner Community — a dynamic network of trusted industry professionals committed to supporting agents and clients across Texas. Learn more about The Sears Groups allied partnership community here. This partnership reflects […]
First-Time Homebuyer Loans in Texas: Your 2025 Guide to Getting Started
Buying your first home is a big milestone—and in a competitive housing market like Texas, it’s important to be informed, prepared, and supported every step of the way. At Lone Star Financing, we’ve helped hundreds of first-time buyers across cities like Austin, San Antonio, Houston, and beyond. This guide breaks down the most popular loan […]
Texas’s Best Mortgage Lender: Why Lone Star Financing Stands Out
Looking for the best mortgage lender in Texas? Lone Star Financing is a Texas-based direct lender offering low rates, quick closings, and an unmatched level of service. As one of the top mortgage companies in Texas, Lone Star Financing offers a full suite of loan products including FHA, VA, USDA, Jumbo, and conventional home loans. […]
Buy vs. Rent: Is Your Monthly Payment Building Wealth or Just Buying Time?
Let’s keep it real – If you’re renting for $2,000 a month, that’s $24,000 a year going straight into your landlord’s next vacation… or kitchen remodel (you know, the one you’re not allowed to touch). And unless they’re sending you thank-you notes and holiday gifts, that money is doing nothing for you. Now flip it—what […]
Buy Smarter: Why Refinancing First Could Be Your Best Move in Today’s Market
Do I Have to Sell Before I Buy? Not Always—Here’s a Smarter Strategy One of the most common questions I hear from clients is: “Don’t I have to sell my current home before I can buy my next one?” The short answer? Not necessarily. In fact, with the right strategy, you can position yourself to […]
Do You Really Need a Realtor? Here’s Why the Answer is YES
With so many online tools available, it’s easy to think, “I can buy or sell a home on my own.” Websites like Zillow, Redfin, and DIY home-selling platforms make it seem simple—find a home, make an offer, sign some paperwork, and move in. But in reality, real estate is far more complex. It’s not just […]
Manual Underwriting Vs. Automated Underwriting: The Complete Guide
The mortgage underwriting process helps mortgage lenders determine if your financial status is solid enough to repay the home loan you’re applying for. Because anyone’s financial condition can change, the underwriting process considers whether the property you want to buy is worth enough to repay the loan if the lender has to foreclose. In a […]
What questions will a mortgage lender ask?
Millions of mortgage applications are completed and sent to lenders each year. Part of the steps required include the lender gathering information about you—and sometimes those questions can seem invasive. Most of the questions are required as part of your approval. Let’s take a look at the things a mortgage lender will ask. Credit Lenders […]
Getting a great mortgage rate
The mortgage industry examines a number of factors to determine not only if you qualify for a mortgage, but also what interest rate you’ll pay. An excellent rate on a mortgage is about a lot more than comparison shopping. It’s also about much more than just your credit score. Mortgage rates can differ by several […]
