Dallas Trusted Mortgage Lender
Your Dallas Mortgage Lender for New Home Loans and Refinancing
Lone Star Financing is a trusted local Dallas mortgage lender helping homebuyers secure the right financing with confidence. We offer competitive mortgage rates, flexible loan options, and personalized service tailored to today’s Dallas buyers—whether you’re purchasing your first home or moving up.
As a mortgage broker, we work with 20+ lenders to access wholesale pricing—delivering lower rates and fast closings. As an approved VA and FHA lender, we provide expert guidance and customized home loan solutions from application through closing and beyond.
- Mortgage Broker
- Multiple lender options
- Wholesale pricing access
- Close in as few as 21 days
- Local Customer Service
Our Home Loan Options
Buying a new home in Dallas? We specialize in new purchases and offer a wide range of new home loan programs:
- Primary, secondary, investment
- FHA, USDA, and VA Loans
- Conventional Loans
- Low Rates & Variable Terms
Conventional loans offer favorable terms, including lower mortgage insurance and lower interest rates.
- 30, 20 and 15-Year terms
- Financing up to $766,500
- Primary home, secondary, investment
- Up to 95% Financing
FHA home loans are perfect for first time home buyers in Dallas, but you don’t have to be a first time buyer to qualify:
- Only 3.5% Down Payment
- Easier Credit Qualifying
- 203k Renovation Loans
- 1st Time Home Buyers
We are an approved VA lender for veteran home loans in Dallas, TX, offering specialized VA loan services:
- Zero down, 100% Financing
- No Monthly PMI
- No Debt to Income Restrictions
- VA Jumbo Loan Options
USDA loans for rural properties in Dallas come with a variety of benefits. These loans offer 100% financing for qualified buyers:
- Rural Properties -100% Financing
- Primary Residence Only
- Closing Rolled In
- Low Interest Rates
Lone Star Financing offers streamlined refinancing. Take advantage of today’s low rates—refinance and start saving!
- Reduce Monthly Payment
- Shorten Mortgage Term
- FHA Streamline Available
- VA IRRRL Streamline
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
Jumbo Loans in Dallas up to $3,000,000, financed through private investor programs.
- Jumbo Loans up to $3M
- Primary & Secondary Homes
- Investor Specific Guidelines
- Good to Excellent FICO
Texas Mortgage Company
Welcome to Lone Star Financing, your trusted mortgage lender in Dallas, TX. We offer competitive rates and fast closings through a streamlined, technology-driven lending experience. Easily complete your application, upload documents, and track progress online for a smooth, hassle-free process.
Whether you’re purchasing a new home or refinancing, our team delivers expert guidance and efficient closings. We’re proud to be an FHA- and VA-approved lender serving Dallas homebuyers and homeowners.
Home Loans, Done Right!
As a Dallas-based mortgage broker, we offer competitive rates, access to multiple lenders, and expert guidance—delivering a smooth, efficient, and stress-free home financing experience.
Dallas Mortgage Broker
Lone Star Financing is your trusted Dallas mortgage expert, delivering personalized home loan guidance backed by in-depth knowledge of the local market. We work closely with you to identify the right financing based on your goals, budget, and timeline.
From first-time buyers to experienced homeowners, our understanding of Dallas neighborhoods, pricing trends, and local lending nuances helps you make confident, informed decisions throughout the entire home loan process.
Close on Time
Our goal is to close every loan in 21 days or less. Mortgage broker with fast approval and on-time fundings.
Low Rates
Home Loans in Dallas with Low Rates, Low Fees and Fast Closings. FHA, VA, and USDA Approved Lender.
Service
As a Dallas mortgage lender, we provide exceptional customer support, guiding you every step of the way.

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
GOOD Based on 48 reviews Posted on M. C.Trustindex verifies that the original source of the review is Google. We could not be happier with our experience working with Lone Star – Texas Mortgage Lender, Brett Dempsey, and his team. As first-time homebuyers, we were nervous about the process, but Brett and his staff guided us every step of the way with patience, friendliness, and clear communication. They moved swiftly to secure everything we needed, kept us updated at each stage, and made the entire process smooth and stress-free. The rates they secured for us were excellent, the service was absolutely top-notch, and the team’s professionalism gave us complete confidence from start to finish. On top of that, Brett and his team were genuinely friendly and approachable, which made the experience all the more enjoyable. We are grateful for their dedication and couldn’t recommend them more highly. If you’re looking for a lender that combines expertise, efficiency, and personal service, Brett Dempsey and his team at Lone Star are the perfect choice. -The Carter FamilyPosted on Kevin MartinTrustindex verifies that the original source of the review is Google. I've worked with Chris Lederer for well over a decade. He's always made the loan process seamless and goes the extra mile for his clients. His approach, service, and dedication to his clients makes you feel like you've known him your entire life. He's been able to coach myself and other people I know through the loan process and also help them with credit advice or referrals to fix credit for people that don't instantly qualify. I highly recommend working with Chris; you won't be sorry.Posted on Mandy DicktenTrustindex verifies that the original source of the review is Google. I don’t ever writes reviews, but working with James honestly made the homebuying process way easier than I expected. He explained everything clearly, stayed on top of every detail, and somehow kept things calm even when the stress hit. I never felt lost or in the dark — and that’s saying a lot. What stood out most was how real he is. No fluff, no pressure, just straight-up support from start to finish. If you’re looking for someone who actually listens and doesn’t treat you like a number, James is the one to go to. Highly recommend him to anyone serious about buying a home — especially if you want someone in your corner who actually cares.Posted on Gary LarsenTrustindex verifies that the original source of the review is Google. James has been amazing to work withPosted on Joshua HaydenTrustindex verifies that the original source of the review is Google. James I great I've been working with him for awhile yes on our side we had some downers but he was quick to act and told us to get with his credit repair lady and OMG it was fast and she is damn good got my wife's credit up and im glad to say today is the day that we are getting our numbers so we can get our new house bought. Thank you James your a rock starPosted on Josie SolisTrustindex verifies that the original source of the review is Google. I don’t usually leave reviews, but I had to this time. Long story short—Brett Dempsey was AWESOME. As a first-time homebuyer, I had a lot of questions and uncertainty, but Brett was incredibly professional, kind, and helpful throughout the entire process. His communication was excellent—always prompt, clear, and patient, which made a huge difference for me. After a terrible experience with another lender at New American Funding, Brett turned everything around. He not only got us into our home, but also saved us a lot of money. He and his team truly exceeded our expectations. We’re so thankful!Posted on TommyTrustindex verifies that the original source of the review is Google. Shawn D. and the team at Lone Star Financing are the best mortgage professionals you could ask for. Shawn was able to help us get a mortgage when no other lenders could, due to our unique circumstances. He is responsive, knowledgeable, and has the highest integrity. He didn't just help us get a house he re united my family. Thank you for all your hard work Shawn.
Your Dallas Mortgage Company
CALL TODAY (855) 314-8080
Lone Star Financing is a trusted Dallas mortgage lender offering customized home loan solutions with local expertise. Our Texas-based team delivers personalized guidance, fast approvals, and a smooth lending experience from application to closing.
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