Your Garland Texas Mortgage Lender
Lone Star Financing, a direct lender for residential loans in Garland, TX – personalized mortgage solutions with low rates and exceptional service. Whether you’re purchasing or refinancing, our team is here to guide you every step of the way.
Low Rate & Low Fees
Same Day Approvals
In-House Underwriting
No Cost Estimates
VA, FHA & Jumbo Loans
Local Texas Company
Our Garland Home Loans
New Home Loans
We are a direct lender and specialize in new home purchases and offer a variety of home loan options:
- Primary, secondary, investment
- FHA, USDA, and VA Loans
- Conventional Loans
- Low Rates & Variable Terms
Conventional Mortgages
Conventional loans provide competitive terms, lower interest rates and reduced mortgage insurance costs.
- 30, 20 and 15-Year terms
- Financing up to $806,500
- Primary home, secondary, investment
- Up to 95% Financing
FHA Loans
FHA home loans are a popular option for first-time buyers in Garland due to their low down payment requirements.
- Only 3.5% Down Payment
- Easier Credit Qualifying
- 203k Renovation Loans
- 1st Time Home Buyers
VA Loans
VA-approved lender in Garland- we are committed to providing low rates and support to assist our Texas Vets.
- Zero down, 100% Financing
- No Monthly PMI
- No Debt to Income Restrictions
- VA Jumbo Loans with Down Payment
Mortgage Refinance
Refinance your Garland home today and secure a low rate, better terms and maximize your savings.
- Lower Monthly Payment
- Shorten Mortgage Term
- FHA Streamline
- VA IRRRL’s
Cash Out Refinance
Unlock your home’s equity with a Texas Cash-Out Refinance—benefit from competitive rates and flexible terms.
- Home Improvements
- Debt Consolidation
- Personal Expenses
- Higher Education
Your Trusted Mortgage Company in Garland, TX! We simplify home financing with low rates, quick closings, and a seamless digital experience. Our advanced platform enables easy bank account linking, document uploads, and full loan approval in just a few steps. From application to closing, our dedicated team ensures a smooth transition, helping you secure your dream home quickly and effortlessly.
Whether you’re purchasing a new home in Garland or refinancing your existing mortgage, our Texas mortgage experts are dedicated to assisting you throughout the entire process. By offering in-house underwriting and processing, we can expedite your loan, often closing in as little as 21 days.
This streamlined home financing approach ensures a swift and efficient experience, allowing you to achieve your homeownership goals promptly.
Buying or Refinancing? We’ve got you covered.
Pre Qualify – Apply in Minutes
Shawn Dulac
Loan Officer
NMLS #1320463
James Hair
Loan Officer
NMLS #1680348
Ricardo Trejo
Branch Manager
NMLS #347481
Eden Vick
Sr. Loan Officer
NMLS #490185
Brett Dempsey
Loan Officer
NMLS #2014728
Why Lone Star Financing?
Close on Time
Our goal is to close every loan in 28 days or less. In-house underwriting, processing, and closing for fast approval and on-time fundings.
Low Rates & Fees
Garland, TX Mortgage Lender with Low Mortgage Rates. FHA, VA, and USDA Approved Lender.
Customer Service
We are Local to Garland and provide top-notch customer support. We will be with you at every step from application to closing. Read what our customers are saying!
2024 Garland TX Real Estate
Real Estate Snapshot: As of March, 2025 there were 511 homes for sale in Garland, TX at a median listing home price of $434,700. See pricing and listing details of Garland real estate for sale at Realtor.com.
Some of the most popular neighborhoods in Garland are the Fairways at Firewheel, Keningston Gardens, Briaroaks, Oakcrest Valley Creek, The Hills of Brechenridge, Oakridge on the Creek, and Crystal Falls.
Garland, Texas – home shoppers have a lot of options when it comes to home financing and we understand you have choices when selecting a mortgage lender for your new home loan. However, at Lone Star Financing, we provide a level of customer service that online competitors simply cannot match. With low rates, minimal fees, and swift closings, Lone Star Financing is rapidly becoming Garland’s preferred mortgage lender. Whether you are a first time home buyer in need of a FHA loan or an investor needing a DSCR loan, we’ve got you covered. Therefore, we invite you to call us today to discover why more people are choosing Lone Star as their mortgage partner in Garland, TX.
