Texas FHA Lenders You Can Count On
Lone Star Financing is an approved FHA lender serving all of Texas. Get qualified for an FHA home loan with as little as 3.5% down, flexible credit guidelines starting at 600 FICO, and competitive rates — with fast, in-house closings in 30 days or less.
Start Your Pre-Qualification
What Is a Texas FHA Lender — and Why It Matters
Not all mortgage lenders are approved to originate FHA loans. Here's what makes an FHA-approved lender different, and why choosing the right one is critical for your home purchase.
Texas FHA Lenders Who Know the State Inside and Out
A Texas FHA lender is a mortgage company specifically approved by the Federal Housing Administration (FHA) to originate, process, and fund FHA-insured home loans. Not every lender qualifies — FHA lenders must meet strict HUD standards and maintain their approved status annually.
As a local Texas-based FHA lender (not a broker sending your file to an out-of-state bank), Lone Star Financing has underwriters, processors, and loan officers all based in Texas. We understand Texas property values, county-level FHA loan limits, and the local real estate market — so your loan moves faster and gets done right the first time.
FHA Loan Highlights
- Direct FHA lender — no broker middleman, no extra fees
- All underwriting and processing done in-house, in Texas
- Licensed loan officers with local Texas market expertise
- Flexible common-sense underwriting for unique situations
- Transparent, upfront guidance from application to close
- Serving every county in Texas — Austin, Houston, Dallas, San Antonio & beyond
FHA-Approved Direct Lender
We’re a HUD-approved FHA lender in Texas — not a broker. That means faster approvals, lower fees, and more flexibility on guidelines.
Close in 30 Days or Less
Our in-house underwriting and processing keeps your loan moving. Our goal: close every FHA loan in 30 days or less — a commitment backed by hundreds of on-time closings.
600 Minimum FICO Score
Many Texas FHA lenders require 620+. We work with credit scores as low as 600, helping more Texas homebuyers get approved when others say no.
Texas-Based Underwriters
Every loan is underwritten by a team based right here in Texas. Our underwriters understand local market conditions, county limits, and Texas-specific guidelines.
5-Star Rated by Texas Borrowers
Over 200 verified five-star reviews from Texas homebuyers across Austin, Houston, Dallas, San Antonio, and beyond. Real clients, real results.
Upfront, Transparent Pricing
No hidden fees, no surprise costs at closing. We believe in transparent, honest lending — it’s why “Integrity” leads our mission statement.
2026 FHA Loan Requirements
Texas FHA Loan Requirements at a Glance
FHA loans in Texas have some of the most flexible qualification standards in residential mortgage lending. Here's what you need to qualify.
580+ for 3.5% down; 500–579 requires 10% down
Of purchase price or appraised value (580+ FICO)
Up to 55% with compensating factors
Up to 55% with compensating factors
$541,287 standard; varies by county
Chapter 7; 1 year for Chapter 13 with court permission
From recorded date of foreclosure completion
Must be owner-occupied primary residence
*Not sure if you qualify? Our loan officers review your full picture — not just a credit score.
Today’s FHA Rates
Explore today’s purchase and refinance rates with personalized loan options
Texas FHA Loan Options We Offer
FHA Purchase Loan
Buy your Texas home with as little as 3.5% down. Ideal for first-time buyers and those with less-than-perfect credit. Up to 96.5% LTV financing.
FHA Streamline Refinance
Already have an FHA loan? Lower your rate with no appraisal and no income verification required. Reduce your monthly payment fast.
FHA Home Loans
FHA loans in Texas with flexible credit requirements, competitive mortgage rates, and affordable financing options for first-time homebuyers.
FHA Rate & Term Refi
Restructure your existing mortgage with better terms. Closing costs can often be rolled into the new loan balance for a low out-of-pocket refi.
Trusted by Texas Homebuyers
Real feedback from Lone Star Financing clients across Texas.
Daniel Ramirez
2 months ago
★★★★★
Jen made our first home mortgage process easy and stress-free. She was extremely responsive, explained everything clearly, and helped us secure a great rate. Jen answered all our questions promptly and made sure we understood every detail before closing.
Sharon Darby
3 months ago
★★★★★
Outstanding experience with Lone Star Financing, thanks entirely to Brett. He did a phenomenal job from start to finish. His knowledge, creativity, and experience made all the difference, especially when challenges arose.
Bettis Morelock
3 months ago
★★★★★
Brett is so helpful. Quality service. Can’t recommend enough.
Dan Andrews
4 months ago
★★★★★
I don’t typically write reviews, but I wanted to acknowledge the excellent service from this company. Chien was knowledgeable, responsive, and a pleasure to work with.
Luke
4 months ago
★★★★★
I highly recommend Chien at Lone Star Financing. Chien is very knowledgeable, patient, and efficient. She was always available when we needed to contact her and secured us a great rate.
Chuen Leik Low
4 months ago
★★★★★
Amazing service from Lone Star Financing. Chien was knowledgeable, responsive, and made the mortgage process effortless. We always knew what was happening and felt in great hands.
Frequently Asked Questions
Texas FHA Lender FAQ
Most Texas FHA lenders set their own credit score overlays above the FHA minimum. At Lone Star Financing, we work with credit scores as low as 600 for FHA purchase and refinance loans. Borrowers with scores of 580–619 are eligible for the standard 3.5% down payment. Scores below 580 require a 10% down payment per FHA guidelines.
The minimum FHA down payment in Texas is 3.5% of the purchase price or appraised value (whichever is lower) for borrowers with a credit score of 580 or higher. This can come from personal savings, a gift from a family member, or eligible down payment assistance programs in Texas.
The standard 2026 FHA loan limit for a single-family home in most Texas counties is $541,287. High-cost areas may have higher limits. FHA loan limits in Texas are set annually by HUD and are based on local median home prices. Contact us for the exact limit in your specific Texas county.
Yes. While FHA loans are popular with first-time buyers because of their low down payment and flexible credit requirements, you do not have to be a first-time buyer to use an FHA loan in Texas. However, FHA loans are only available for primary residences — you cannot use an FHA loan to purchase an investment property or vacation home.
With Lone Star Financing, our goal is to close every FHA loan in 30 days or less. Because we handle underwriting and processing in-house with a Texas-based team, we have more control over the timeline than lenders who rely on third-party processors or out-of-state underwriters.
FHA loans in Texas require two types of mortgage insurance: an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount (which can be rolled into the loan), and an annual mortgage insurance premium (MIP) paid monthly. The annual MIP rate typically ranges from 0.45% to 1.05% of the loan balance depending on loan term, LTV, and loan amount.
Yes. Texas FHA lenders like Lone Star Financing offer FHA refinancing options including FHA Streamline Refinance (for existing FHA loan holders — no appraisal required), FHA Rate-and-Term Refinance, and FHA Cash-Out Refinance for homeowners who want to tap into their home equity.
You can verify FHA-approved lenders through HUD’s official lender search tool at hud.gov. Lone Star Financing is a fully approved Texas FHA lender (NMLS #123411) with a proven track record across all Texas counties. Call us or apply online to get started with a licensed Texas FHA loan officer today.
Texas FHA Lenders Serving Every Corner of the State
No matter where you're buying in Texas, Lone Star Financing can originate and close your FHA home loan — fast.
Don't see your city? We serve all 254 Texas counties. Contact us to confirm your area.
