Katy, TX Mortgage Lender

LONE STAR FINANCING

KATY, TX
HOME LOANS

Direct Lender - Low Rates & Fast Closing

Lone Star Financing | Your Katy, TX Lender

Buying a new home in Katy, TX? Lone Star Financing is a preferred mortgage lender in Katy and we are here to provide you with personalized solutions and a commitment to upfront lending, competitive rates, and exceptional service.

Home Loans & Refinance

FHA, VA & Jumbo Loans
In-House Underwriting

Low Rates & Low Fees
Same Day Pre-Approvals
Texas Customer Service!

Katy, TX Mortgage

Welcome to Lone Star Financing, your go-to direct mortgage lender in Katy, TX. We pride ourselves on offering competitive rates and swift loan closings to make your home financing journey effortless. With our cutting-edge technology platform, you can securely apply for loans, sync your bank accounts, upload documents, and gain full loan approval—all from the comfort of your home. Whether you’re purchasing a new property or refinancing your current mortgage in Katy, TX, we’re here to assist you. As a trusted FHA and VA-approved lender, Lone Star Financing is ready to help you achieve your homeownership goals.

More About Us

Looking to buy a new home in Katy, TX? We’re here to help! As a top mortgage company in Katy, Texas, Lone Star Financing offers customized solutions that focus on competitive rates, exceptional service, and deep local expertise. Whether you’re purchasing a new home or refinancing, you can count on us to make the process straightforward and stress-free. We specialize in residential home loans and are an approved lender for FHA, VA, and USDA loans. Wondering why homebuyers choose Lone Star Financing over other mortgage companies?

Here’s what sets us apart:

Competitive Low Rates
In-House Underwriting
Fast Loan Closings
Unbeatable Customer Service

As a direct mortgage lender right here in Texas, we don’t broker loans—everything is processed in-house. We use practical, common-sense underwriting, which allows us to deliver personalized service and faster loan approvals. Being based in Texas gives us a local advantage, offering face-to-face customer care and VIP treatment throughout the loan process. With all underwriting handled locally in Katy, we ensure efficient, flexible solutions designed specifically for Katy, Texas homebuyers.

Our Katy Home Loans

New Home Loans

Looking to buy a new home in Katy, TX? We offer a variety of home loan programs available for new purchases:

Primary, secondary, investment
FHA, USDA, and VA Loans
Conventional Loans
Low Rates & Variable Terms

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Conventional Loans

Our most popular loans, conventional home loans offer several advantages, including lower interest rates.

30, 20 and 15-Year terms
Financing up to $766,500
Primary home, secondary, investment
Up to 95% Financing

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Katy FHA Loans

FHA home loans are ideal for first-time home buyers in Katy, requiring only a 3.5% down payment and gift funds allowed.

Only 3.5% Down Payment
Easier Credit Qualifying
203k Renovation Loans
1st Time Home Buyers

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Katy VA Loans

As an approved VA lender in Katy, we offer low rates and are committed to helping Texas veterans maximize their benefits.

Zero down, 100% Financing
No Monthly PMI
No Debt to Income Restrictions
VA Jumbo Loans

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Cash Out Refinance

Unlock the equity in your home with a Texas Cash Out Refinance – enjoy lower interest rates and flexible loan refinance options.

Home Improvements
Debt Consolidation
Personal Expenses
Higher Education

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Mortgage Refinance

Lone Star Financing offers low rates and a streamlined hassle free process to refinance your mortgage in Katy, TX.

Reduce Monthly Payment
Shorten Mortgage Term
FHA Streamline Available
VA IRRRL Streamline

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Lone Star Financing - Katy, TX Home Loans

Close on Time

Our goal is to close every loan in 28 days or less. In-house underwriting, processing, and fast approvals

Low Rates

Home Loans in Katy, TX with Low Rates, Low Fees and Fast Closings. FHA, VA, and USDA Approved Lender

Service

Katy mortgage lender with top-notch customer support. We will be with you at every step of the way

Jump in Front of the Line
Get Pre-Qualified Today!

Get pre-approved before you fall in love.

Why Choose Us ? It's our People!

Read Our Google Reviews

Brenda was quick to respond to questions I had and made herself available to me. She was very patient and understanding when having to resolve issues regarding my ex. The entire team, in fact, was great and a true godsend!

As a realtor here in Austin, TX, I’ve been working with Lone Star Financing for almost a decade. The loan officers at Lone Star financing are without a doubt the best communicators in the business. They provide timely updates to me and my buyers from the start of the loan to close of sale and I can't tell you how important that is during a real estate transaction. I recommend all of my clients use Lone Star financing because unlike a lot of mortgage companies they can close loans on time. During one of the most critical times of my customers lives, it's imperative that all links of the chain are strong. Having the right lender in place is key. Thanks Lone Star!

I was thoroughly impressed with the customer service from start to finish. I had a lot of questions and they were all answered. I recommend lone star to first time home buyers as well as those who have note done it before.

Making me feel comfortable through the entire process as I was a bit nervous but Keith’s ways with his words and staying professional never made me feel overwhelmed, as well as the staff members that also helped me. The whole process was a smooth ride with no bumps and that was a great feeling making this single mother very happy with the outcome!!! Thanks!!!

I have gone through the home financing five times, and this is my second re-finance. The team at Lone Star Financing was the best experience I've ever had going through the mortgage process. The previous finance company I used to purchase my home was the worst experience I'd ever had in getting a mortgage. I was extremely hesitant to go through the re-finance process, but with the interest rates being so low I knew I would be saving a lot of money. I did the research to find a highly reviewed local financing company, and Lone Star Financing was the best. They did an outstanding job helping me through the process, made it incredibly easy and quick. More...

Thanks for helping us through the loan refinance process. P.S. The only reason we can't refer family and friends is we don't live in Texas or have any contacts there!

Lone Star Financing was the best-from the first phone call and I can honestly say there will be no last phone call-when he asked for docs I delivered and when I asked for something (answers) he delivered-very happy with the process he took my husband and I through and we are now blessed to own our dream home -I’ve already referred him To our son and he will be ready to purchase probably in the next six months and told him that Jimmy Smith is the man!!

KATY, TX MORTGAGE RATES:

CALL (855) 314-8080

- Direct Mortgage Lender
- Low Rates & Low Fees
- Close in as few as 28 days
- Local Texas underwriting
- On-Time Closing

Katy, TX Mortgage Lenders

If you are looking for a mortgage lender in Houston, we specialize in new home purchases, VA Home Loans and FHA Home Loans. As a local Katy Mortgage Lender, we service own home loans and have the flexibility to underwrite to our independent guidelines. This gives our Katy borrower’s a substantial advantage over traditional banks and even traditional mortgage brokers in Katy.We look forward to earning your business.

By specializing in only residential home loans Lone Star Financing offers low fees and rates while maintaining control of the loan process from application to closing – typically close your loan less than 20 days. Call today and learn why more people are choosing Lone Star Financing as their preferred mortgage lenders in Katy, TX. Whether you need home financing in Houston, Austin, San Antonio or Katy we have you covered.

Our Texas Locations

Service 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 and can close loans anywhere within the great state of Texas. Your local Texas mortgage lender with low rates, low fees, and top notch customer service.

North Texas Lending

Grand Prairie Home Loan

Wichita Falls Home Loan

South Texas Lending

Beaumont Home Loan

Brownsville Home Loan

Corpus Christi Home Loan

Central Texas Lending

San Antonio Home Loans

San Marcos Home Loans

West Texas Lending

2024 Katy, TX Real Estate Market

Katy Real Estate Snapshot–As of October, 2024 the average cost per home in Katy was $464,455. This value is seasonally adjusted and only includes the middle pricing tier of all homes in Katy. There are currently 2,944 resale and new homes in Katy, TX, including 19 open houses, as well as 342 homes in the auction, foreclosure, or bank-owned stages of the foreclosure. Search for homes for sale in Katy, TX.

Katy home prices were up 20.4% compared to last year, selling for an average price of $494K. On average, homes in Katy sell after 8 days on the market compared to 10 days last year. There were 312 homes sold in April this year, down from 456 last year.

BEST KATY NEIGHBORHOODS! We researched the top Katy neighborhoods for families in 2024. Some of the most sought -after neighborhoods and sub-divisions in Katy, TX for amenities, schools and pricing include: Cross Creek Ranch, Cinco Ranch, Kelliwood, Seven Meadows, Elyson, and Grand Lakes.

KATY, TX
HOME LOANS