Trusted Houston
Mortgage Broker
Mortgage broker in Houston with lower rates, more loan options, and local expertise
⭐ Houston Mortgage Company- Low Rates & Fast Closings
Houston Mortgage Broker- Low Rates & Fast Closings
Lone Star Financing is a trusted Houston mortgage broker helping homebuyers and homeowners secure lower rates for home purchases and mortgage refinancing. With access to 30+ wholesale lenders, we compare multiple loan options to deliver lower rates, flexible financing solutions, and fast, hassle-free closings.
Whether buying your first home or refinancing, our Lone Star Financing provides personalized service, low rates, and more loan options.
- FHA, VA & Jumbo Loans
- Wholesale Pricing
- Access to 30+ Lenders
- Fast Pre-Approvals
- Low Rates & Fast Closings
- Local Houston Expertise
Lone Star Financing Advantage
See the benefits of working with a Houston mortgage broker versus a traditional bank—see how a mortgage broker can offer lower rates, more loan programs, and greater financing flexibility.
One lender. One set of loan options.
Better rates and more loan options.
Limited to the programs they offer.
Access a wider range of loan programs.
One set of guidelines for every borrower.
Flexible guidelines for more borrowers.
One set of rigid credit requirements.
Access lenders with more flexible credit guidelines.
Compare 30+ Lenders
One lender
30+ lender options
More Loan Options
Limited loan programs
More loan programs
Flexible Guidelines
One set of guidelines
More flexible guidelines
More Credit Flexibility
Strict credit requirements
More flexible credit options
We specialize in new purchases with flexible mortgage options, competitive rates, and a streamlined home buying process.
- Primary & Secondary Homes
- FHA, VA & USDA Options
- Low Down Payment Programs
- Competitive Rates & Terms
Conventional loan options with flexible terms, lower mortgage insurance, and attractive rates for qualified homebuyers.
- 30, 20 & 15-Year Fixed Terms
- Financing Up to $832,750
- Primary & Secondary Homes
- Up to 95% Financing Available
FHA loans offer flexible guidelines, low down payment options, and an affordable path to homeownership for first-time buyers.
- Low 3.5% Down Payment
- Flexible Credit Guidelines
- 203(k) Renovation Financing
- Ideal for First-Time Buyers
Houston VA loans provide eligible veterans and active-duty service members with flexible financing and powerful benefits.
- Zero Down Payment Options
- No Private Mortgage Insurance
- Flexible Credit Guidelines
- Exclusive Benefits for Veterans
Refinancing can help lower your monthly payment, lower your rate, or improve your loan terms with more flexible options.
- Lower Monthly Payments
- Shorten Your Mortgage Term
- FHA Streamline Refinancing
- VA IRRRL Refinance Options
DSCR loans for Houston real estate investors with flexible qualifying based on rental income instead of personal income documentation.
- Financing Up to $3 Million+
- No Tax Returns or W-2s
- Qualify Using Rental Income
- Multifamily, Airbnb & STR Eligible
More Loan Options
USDA Loans
Zero-down financing options for eligible rural and suburban homebuyers.
Jumbo Loans
Flexible financing for higher-value homes with competitive mortgage options.
Cash-Out
Access your home equity for improvements, debt consolidation, or major expenses.
Commercial
Business and investment property financing solutions for Houston borrowers.
Better Rates. More Options. Faster Closings.
The Lone Star Advantage
Your Houston Mortgage Experts
Lone Star Financing is your local Houston mortgage lender, offering personalized guidance, competitive rates, and local market knowledge.
From first-time buyers to experienced homeowners, we help you compare loan options and move toward closing with confidence.
Start Your Pre-ApprovalClose on Time
Fast approvals, clear communication, and timely funding from application to closing.
Wholesale Pricing
Access competitive mortgage rates, wholesale pricing, and flexible loan options.
Personalized Service
Work with experienced Houston mortgage specialists who guide you through every step.
Real People. Local Expertise. Better Service.
Debbie Odell
Sr. Loan Officer
NMLS #1121045
Glen Dicken
Sr. Loan Officer
NMLS #313548
Brett Dempsey
Branch Manager
NMLS #2014728
Mark Dusza
Sr. Loan Officer
NMLS #860825
Jen Papaelias
Sr. Loan Officer
NMLS #2692859
“Outstanding experience with LoneStar Mortgage, 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.”
“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.”
“I worked with Jen Papaelias at Lone Star Financing and I cannot rave enough about her. She went above and beyond to make sure that I was able to purchase my dream home. The few minor bumps we had, she was able to help us work to get them fixed.”
Today's Rates
Houston mortgage rates for purchase and refinance loans, including Conventional, FHA, VA, Jumbo, and USDA. View All Texas Mortgage Rates.
Get a Free Rate Quote
Get a personalized mortgage rate quote and compare payment options, loan terms, and financing scenarios with no obligation required.
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YOUR HOUSTON MORTGAGE LENDER
CALL (855) 314-8080
Lone Star Financing is a trusted Houston mortgage broker 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.
Mortgage Lending Across South Texas
In addition to Houston, Lone Star Financing provides home loan solutions throughout South Texas. Below are nearby cities where we also offer home loan and refinancing services.
Serving Homebuyers Across Texas — Lone Star Financing is a trusted Texas mortgage lender and Texas mortgage broker serving homebuyers throughout the state. Since 2005 we have provided low rates, low fees, and flexible home loan programs including FHA, VA, Conventional, USDA, Jumbo, and refinance loans with fast pre-approvals and top-notch service.
Central Texas Home Loans
From Houston and Beaumont to Pasadena, Corpus Christi, Katy, and communities across Texas, Lone Star Financing helps homebuyers secure low mortgage rates, flexible financing, personalized guidance and a stress free mortgage experience.
Houston Texas Real Estate & Home Loans
Houston remains one of the largest and most active housing markets in the United States, attracting first-time homebuyers, relocation buyers, medical professionals, and real estate investors. Known for its diverse economy, strong job market, and relatively affordable cost of living compared to other major metropolitan areas, Houston offers a wide range of housing opportunities throughout Harris County and the surrounding region.
As a trusted Houston mortgage lender and mortgage broker, Lone Star Financing helps homebuyers compare FHA, VA, Conventional, USDA, Jumbo, and refinance loan options from 25+ lenders. We proudly serve Houston and surrounding communities including Katy, Cypress, Sugar Land, Pearland, The Woodlands, Spring, Richmond, and League City, helping borrowers secure competitive rates, flexible home loan solutions, and a smooth mortgage process from pre-approval through closing. Learn more about community services and development initiatives through the City of Houston.
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.