Garland Home Loans & Refinancing from a Trusted Local Lender
Lone Star Financing is a trusted Garland, TX mortgage lender delivering competitive rates, flexible loan options, and personalized local guidance. Whether you’re buying your first home or moving up, we make financing simple, fast, and stress-free.
As a mortgage broker, we work with 20+ wholesale lenders to offer lower rates and faster closings. As an FHA- and VA-approved lender, our team provides expert guidance and customized loan solutions from application through closing.
- Low Rate & Low Fees
- Same Day Approvals
- No Cost Estimates
- VA, FHA & Jumbo Loans
- Texas Customer Service
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 or secondary
- FHA, Conventional, and VA
- Conventional Loans
- Ultra Low Rates
Conventional Loans
Conventional loans provide competitive terms, lower interest rates and reduced mortgage insurance costs.
- 30, 20 and 15-Year terms
- Financing up to $832,750
- Primary or secondary
- 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
- 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
- No Monthly PMI
- No DTI Restrictions
- VA Jumbo Loan Options
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
A Better Way to Finance Your Home
Lone Star Financing is your trusted Garland mortgage expert, delivering personalized home loan guidance backed by strong local market knowledge. We work closely with you to match the right financing to your goals, budget, and timeline.
Whether you’re a first-time homebuyer seeking an FHA loan or a Texas veteran using a VA loan, we’ve got you covered every step of the way.
Close on Time
Our goal is to close every loan in 21 days or less, with fast approvals and reliable, on-time funding through our broker network.
Low Rates & Fees
Garland, TX Mortgage Lender with Low Mortgage Rates. FHA, VA, and USDA Approved Lender.
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!
Trusted Garland Mortgage Experts
We simplify home financing with competitive rates, fast closings, and a seamless digital experience. Our streamlined platform lets you apply online, upload documents, and move toward approval in just a few steps—supported by a dedicated team from start to finish.
Whether you’re buying a home in Garland or refinancing, our Texas mortgage experts deliver speed and certainty. With in-house underwriting and processing, we often close in as little as 21 days, helping you reach your homeownership goals faster.
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
Garland TX Real Estate
Garland Real Estate Snapshot — As of January 2026, Garland, TX had 487 homes for sale with a median listing price of $434,700. Popular neighborhoods include Firewheel, Kensington Gardens, Briaroaks, Oakcrest Valley Creek, and Crystal Falls.
With many financing options available, Garland homebuyers choose Lone Star Financing for our personalized service, competitive rates, and fast closings. From FHA loans for first-time buyers to DSCR loans for investors, we deliver tailored solutions that make Lone Star Financing a trusted mortgage partner in Garland, TX.