El Paso Home Loans & Refinancing from a Trusted Local Lender
Lone Star Financing is a trusted local El Paso, TX mortgage lender helping homebuyers secure the right financing with confidence. We offer competitive rates, flexible loan options, and personalized service for first-time and move-up buyers alike.
As a mortgage broker, we work with 20+ lenders to access wholesale pricing, lower rates, and fast closings. As an approved VA and FHA lender, we provide expert guidance from application through closing.
- Mortgage Broker
- Multiple Lender Options
- Wholesale Pricing Access
- Local Customer Service
- Hablamos español
Our El Paso Home Loans
New Home Loans
Looking to buy a new home in El Paso? We offer a variety of loan programs and are an approved VA and FHA lender:
- Primary or secondary
- FHA, USDA, and VA
- Conventional Loans
- Low Rates
Conventional Loans
Conventional home loans up to $832,750 – lower rates and reduced mortgage insurance, w/ flexible terms:
- 30, 20 and 15-Year
- Ultra low rates
- Primary or secondary
- Up to 95% Financing
FHA Loans
FHA home loans are perfect for first time home buyers in El Paso, but you don’t have to be a first time buyer to qualify:
- Only 3.5% Down
- Easier Credit Qualifying
- 203k Renovation Loans
- 1st Time Home Buyers
VA Loans
Approved El Paso VA lender for veteran home loans- we are here to help you maximize your benefits:
- Zero Down
- No Monthly PMI
- No DTI Restrictions
- VA Jumbo Options
USDA Loans
USDA loans for rural properties in El Paso come with a variety of benefits- 100% financing for qualified buyers:
- 100% Financing
- Primary Residence Only
- Closing Costs Rolled In
- Low Interest Rates
Refinance
Streamlined hassle free mortgage refinancing. Take advantage of lower rate – refinance today and save!
- Rate & Term Refinance
- Cash-Out Refinance
- FHA Streamline Available
- VA IRRRL Streamline
A Better Home Financing Experience
Lone Star Financing is your trusted El Paso mortgage expert, delivering personalized home loan guidance backed by strong insight into the local market. We take the time to understand your goals, budget, and timeline to match you with the right financing solution.
From first-time homebuyers to seasoned homeowners, our knowledge of El Paso neighborhoods, pricing trends, and local lending details helps you move forward with clarity and confidence at every stage of the mortgage 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.
Better Rates
El Paso Mortgage Lender with Low Rates, Low Fees and Fast Closings. VA, FHA and USDA Loans.
Service
El Paso's trusted lender for exceptional customer service, low rates and fast closing.
Trusted El Paso Mortgage Experts
Lone Star Financing is a trusted El Paso mortgage lender offering competitive rates and fast, reliable closings. We make the home loan process simple, transparent, and efficient from start to finish.
Our secure, streamlined digital platform allows you to apply with ease—whether you’re purchasing a new home or refinancing. Our team is here to guide you every step of the way.
Lone Star Financing is a preferred mortgage lender in El Paso. As a direct lender, we offer low rates and with local underwriting, we can make fast decisions and process loans efficiently. We are a technology-driven company, with professional loan officers, and offer a level of customer service second to none. Call us today or apply online to learn more about how we work and why more people are choosing Lone Star Financing as their preferred El Paso, Texas mortgage lender.
New home purchases are our specialty, and we offer FHA home loans, VA home loans, and conventional home loans in El Paso. With ultra-low mortgage rates, low fees, and fast closings, you can rest assured that your home loan will proceed smoothly and seamlessly from application to closing. Call us today and learn why more borrowers in El Paso are choosing Lone Star Financing as their preferred mortgage lender.
- Direct Lender
- Low Rates
- Local Underwriting
- Fast Closings
Lone Star Financing—your local El Paso, Texas mortgage company for new home purchases and home refinancing.
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
El Paso Mortgage Broker
CALL TODAY (855) 314-8080
- Low Rates & Low Fees
- Close on Time
- Wholesale Pricing Access
- Texas Customer Service
Lone Star Financing delivers low rates, minimal fees, and fast approvals for El Paso homebuyers through local Texas underwriting and a streamlined digital platform. We offer FHA, VA, and USDA loan options backed by personalized service and efficient closings.
Our mission is to provide exceptional service and become your mortgage lender for life—not just one transaction. Discover why El Paso homebuyers trust Lone Star Financing for a smooth, reliable mortgage experience.
El Paso Real Estate (2026)
As of January 2026, the El Paso housing market remains competitive despite higher interest rates. Average home prices are up 3.4% year over year to $248,660, while the typical mid-tier home value is $197,725 on a seasonally adjusted basis. Browse photos, see new properties, get open house info, and search homes for sale in El Paso.