Houston Home Loans & Refinancing - Local Texas Mortgage Experts
Lone Star Financing is a trusted local Houston, TX mortgage lender helping homebuyers secure the right financing with confidence. We offer competitive rates, flexible loan options, and personalized service tailored to today’s Houston home buyers.
As a mortgage broker, we work with 20+ lenders to access wholesale pricing—delivering lower rates and fast closings. We provide FHA loans, VA home loans, DSCR financing, Conventional mortgages, and Jumbo loan solutions. Whether you’re buying a home or refinancing for better terms, we’re here to move you forward with confidence from start to finish.
- Mortgage Broker
- Multiple lender options
- Wholesale pricing access
- Low Rates & Low Fees
- Local Customer Service!
Explore Our Houston Home Loans
New Home Loans
Planning to buy a new home in Houston? We offer a variety of home loan programs for new purchases.
- Primary or secondary
- FHA, USDA, and VA
- Conventional Loans
- Low Rates
Conventional Loans
Conventional home loans are our most popular loans, offering several advantages such as lower interest rates.
- 30, 20 and 15-Year terms
- Financing up to $832,750
- Primary or secondary
- Up to 95% Financing
FHA Loans
FHA loans are a great option for first-time home buyers, requiring just a 3.5% down and gift funds allowed.
- Only 3.5% Down
- Easier Credit Qualifying
- 203k Renovation Loans
- First Time Home Buyers
VA Loans
As an approved VA lender in Houston, we offer low rates and committed to helping Tex Vets maximize their benefits.
- 100% Financing
- No Monthly PMI
- No DTI Restrictions
- VA Jumbo Available
USDA Loans
USDA loans are available for rural properties, offering up to 100% financing for eligible properties.
- Rural Properties
- Primary Residence Only
- Closing Costs Rolled In
- Low Interest Rates
Jumbo Loans
Jumbo loans in Houston up to $3M, financed through private investor programs.
- Loans up to $3,000,000
- Primary & Secondary
- Investor Guidelines
- Credit Score Minimums
Cash Out Refinance
Unlock the equity in your home with a Texas Cash Out – enjoy lower interest rates and flexible options.
- Home Improvements
- Debt Consolidation
- Personal Expenses
- Higher Education
Mortgage Refinance
Lone Star Financing offers low rates and a streamlined process to refinance in Houston, TX.
- Reduce Monthly Payment
- Shorten Mortgage Term
- FHA Streamline Available
- VA IRRRL Streamline
DSCR Loans
Houston DSCR loans for real estate investors and rental properties—no tax returns, W-2s, or pay stubs required.
- $3M+ (85% LTV)
- No Income Verification
- Rental Income to Qualify
- Multifamily, Airbnb, STR
Houston Home Loans, Done Right!
Welcome to Lone Star Financing, your trusted Houston, TX mortgage lender. We offer low rates, fast closings, and a secure digital mortgage platform that makes applying, uploading documents, and getting approved simple—Whether buying a new home or refinancing, we’ve got you covered!
We’re proud to be an FHA and VA-approved lender serving Houston, guiding homebuyers through competitive, government-backed loan options with clear communication and dependable support from start to finish.
Trusted Houston Mortgage Company – Since 2007 
Looking to buy a new home in Houston, TX? We’re here to help! As one of Houston’s top mortgage company, we provide personalized solutions with competitive rates, exceptional service, and deep local expertise. Whether you’re purchasing a home or refinancing, you can count on us to make the process smooth and stress-free. We specialize in residential home loans in Houston, TX, and are an approved lender for FHA Loans, VA Loans, and USDA Home loans. Why choose Lone Star Financing over other mortgage companies? Here’s why people trust us:
- Low Rates
- In-House Underwriting
- Fast Loan Closings
- Dedicated Houston Customer Service
As a direct lender in Texas, we process and underwrite in-house, offering a straightforward approach without loan brokers. Getting a mortgage doesn’t have to be difficult. A great mortgage starts with the right lender. Learn More
A Smarter Way to Finance Your Home
Lone Star Financing is your trusted Houston mortgage expert, providing personalized home loan guidance backed by deep 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, we help you make confident, informed decisions throughout the home loan process. With access to a wide network of wholesale lenders, we deliver flexible loan options, low mortgage rates, and streamlined closings.
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 & Fees
Home Loans in Houston with Low Rates, Low Fees and Fast Closings.
Customer Service
Houston mortgage lender with top-notch customer support. We will be with you at every step from application to closing.
Glen Dicken
Sr. Loan Officer
NMLS #313548
Chris Lederer
Production Manager
NMLS #2004549
Jen Papaelias
Sr. Loan Officer
NMLS #2692859
Brett Dempsey
Branch Manager
NMLS #2014728
Allen Lundberg
Sr. Loan Officer
NMLS #277507
HOUSTON, TX MORTGAGE BROKER
CALL TODAY (855) 314-8080
Lone Star Financing is a trusted Houston mortgage lender offering residential and commercial loans, competitive rates, fast pre-approvals, and in-house processing—allowing us to close quickly, often in as little as 21 days, with personalized local service.
Serving Homebuyers Across South Texas
In addition to Houston, Lone Star Financing provides mortgage solutions throughout South Texas. Below are nearby cities where we also offer home loan and refinancing services.
Serving Home Buyers Across Texas: In addition to our South Texas locations, Lone Star Financing provides mortgage solutions state-wide in Texas. Below are all service area cities where we also offer home loan and refinancing services.
Central Texas Lending
2026 Houston Real Estate
The Houston housing market remains stable in 2025, with home prices rising due to strong demand and limited inventory. While buyers face competitive conditions and higher rates, Houston continues to attract homeowners and investors thanks to its strong economy and relative affordability.
View all 12,259 homes for sale in Houston from Realtor.com. See pricing and listing details and set search criteria to filter your home search by MLS, zip codes, price and more.