Lone Star Financing
Your Katy, TX Lender
- 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.
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
Conventional Loans
Conventional loans offer several advantages, including lower interest rates and flexible mortgage insurance options.
- 30, 20 and 15-Year terms
- Financing up to $806,500
- Primary home, secondary, investment
- Up to 95% Financing
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
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
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
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
Lone Star Financing - Katy, TX Home Loans
Your trusted Katy 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 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.
Get Pre-Qualified Today!
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
KATY, TX MORTGAGE RATES
CALL TODAY (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.
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 Katy, TX Real Estate Market
Katy Real Estate Snapshot–As of March, 2025 the average cost per home in Katy was $444,455. This value is seasonally adjusted and only includes the middle pricing tier of all homes in Katy. There are currently 2,734 resale and new homes in Katy, TX, including 24 open houses, as well as 362 homes in the auction, foreclosure, or bank-owned stages of the foreclosure. Search for homes for sale in Katy, TX.
Katy home prices were static with a small increase of 2.4% compared to last year, selling for an average price of $484K. 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 466 last year.
BEST KATY NEIGHBORHOODS! After researching the best neighborhoods for families in Katy, TX, for 2025, we’ve identified some of the most sought-after communities based on amenities, school quality, and home affordability. Top choices include Cross Creek Ranch, Cinco Ranch, Kelliwood, Seven Meadows, Elyson, and Grand Lakes. These neighborhoods offer a mix of excellent schools, family-friendly amenities, and a strong sense of community, making them ideal for those looking to settle in one of Katy’s premier residential areas.
Moving to Katy, TX? Let Lone Star Financing help with your new home loan – FHA, VA and Conventional home loans with low rates and fast closings. Call today or apply online!