Lone Star Financing
- Local Houston Lender
Buying a new home or refinancing in Houston? Lone Star Financing specializes in residential home loans in Texas and offers personalized solutions, competitive rates, exceptional service, and local Houston, TX mortgage expertise.
- FHA, VA & Jumbo Loans
- Direct Mortgage Lender
- In-House Underwriting
- Fast Approvals
- Low Rates & Low Fees
- Houston Customer Service!
Houston Home Loan Experts
Welcome to Lone Star Financing, your trusted direct mortgage lender in Houston, TX. With low rates and fast loan closings, we make the home financing process smooth and efficient. Our technology-driven approach offers a secure platform where you can easily complete your application, sync bank accounts, upload documents, and receive full loan approval hassle-free. Whether you’re looking for a new home loan or a mortgage refinance, Lone Star Financing is here to help. We’re proud to be an FHA and VA-approved lender serving Houston.
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
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, secondary, investment
- FHA, USDA, and VA Loans
- Conventional Loans
- Low Rates & Variable Terms
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 $766,500
- Primary home, secondary, investment
- Up to 95% Financing
Houston FHA Loans
FHA loans are an excellent option for first-time home buyers in Houston, requiring just a 3.5% down payment.
- Only 3.5% Down Payment
- Easier Credit Qualifying
- 203k Renovation Loans
- 1st Time Home Buyers
Houston VA Loans
As an approved VA lender in Houston, we offer low rates and committed to helping Tex Vets maximize their benefits.
- Zero down, 100% Financing
- No Monthly PMI
- No Debt to Income Restrictions
- VA Loans with Down Payment
Houston USDA Loans
USDA loans are available for rural properties in Houston, offering up to 100% financing for eligible properties.
- Rural Properties -100% Financing
- Primary Residence Only
- Closing Costs Can Be Rolled In
- Low Interest Rates
Houston Jumbo Loans
Jumbo mortgages in Houston are available up to $3,000,000, financed through private investor programs.
- Loans up to $3,000,000
- Primary & Secondary Homes
- Investor Specific Guidelines
- Credit Score Minimums
Cash Out Refinance
Unlock the equity in your home with a Texas Cash Out Refinance – enjoy lower interest rates and flexible options.
- Home Improvements
- Debt Consolidation
- Personal Expenses
- Higher Education
Mortgage Refinance
Lone Star Financing offers unbeatable rates and a streamlined process to refinance your mortgage in Houston, TX.
- Reduce Monthly Payment
- Shorten Mortgage Term
- FHA Streamline Available
- VA IRRRL Streamline
Lone Star Financing- Houston TX Lender
Your trusted Houston mortgage team delivering competitive rates, on-time closings, and unmatched service, every step of the way.
Close on Time
Our goal is to close every loan in 30 days or less. In-house underwriting, processing, and closing for fast approval and on-time fundings.
Low Rates & Fees
Home Loans in Houston with Low Rates, Low Fees and Fast Closings. FHA, VA, and USDA Approved Lender.
Customer Service
Houston mortgage lender with top-notch customer support. We will be with you at every step from application to closing.
Get Pre-Approved
David Howes
Sr. Loan Officer
NMLS #1438746
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
HOUSTON MORTGAGE RATES
CALL TODAY (855) 314-8080
Lone Star Financing is Houston Mortgage Lender and can offer a level of customer service and home loan options you won’t find at most traditional mortgage brokers or even at your bank. We offer both residential home loans and commercial loans in Texas. Unlike other lenders, we service our own home loans and are able to underwrite according to our own guidelines. Pre-qualification approvals are quick and easy, with competitive rates, personal attention, and a variety of mortgage loan options! We are a local Houston Mortgage Lender that services own home loans and has the flexibility to underwrite independently, so we can approve your loan quickly and close quickly – usually within 28 days. Whether you need home financing in Austin, San Antonio, Dallas or Houston we have you covered.
Our Locations : Looking to buy a new home in Texas? No matter where you live, our Texas home loan experts are here to help. We are a direct mortgage lender right here in Texas and can close loans anywhere in the state. Lone Star Financing– your local Texas mortgage company with the best rates, lowest fees, and top notch customer service.
South Texas Lending
Central Texas Lending
2025 Houston Real Estate
The Houston housing market remains steady in 2025, with home prices continuing to rise due to high demand and limited inventory. As of March 2025, the average home price has risen to $372,500, reflecting a 15.3% increase compared to the same time last year. The market remains competitive, particularly in desirable neighborhoods, with buyers navigating rising mortgage rates and fluctuating inventory. Despite these challenges, Houston continues to attract homebuyers and investors due to its strong economy, diverse housing options, and overall affordability compared to other major U.S. cities.
View all 14,239 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.
Buying a new home in Houston? Lone Star Financing is a trusted lender with competitive rates, in-house underwriting and offer same day pre-approvals. Call or Apply Online Today!