⭐ Top-Rated Mortgage Broker for Katy Homebuyers
Katy Mortgage Broker for New Home Loans & Refinancing
- FHA, VA & Jumbo Loans
- Wholesale Pricing
- More Loan Options
- Fast Approvals
- Low Rates & Fast Close
- Texas Customer Service!
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
Texas 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 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 Austin borrowers.
Katy Mortgage Lending
Lone Star Financing is your trusted Katy mortgage expert, providing personalized home loan guidance backed by deep local market knowledge. We help buyers and homeowners choose the right financing with confidence at every stage of the loan process.
Whether you’re purchasing a new home or exploring a cash-out refinance in Texas, we’ve got you covered. Our team is here to guide you every step of the way and help you secure the right financing with confidence.
Close on Time
Our goal is to close every loan in 21 days or less. As a broker with controlled processing we can ensure fast approvals and timely funding.
Low Rates
Home Loans in Katy, TX with Low Rates, Low Fees and Fast Closings. FHA, VA, and USDA Approved Lender.
Service
Katy mortgage broker with top-notch customer support. We will be with you at every step of the way.
Texas Home Loans, Done Right!
Welcome to Lone Star Financing, your trusted mortgage broker in Katy, TX. We offer competitive rates, fast closings, and a streamlined digital experience designed to make home financing simple and stress-free. Our secure platform lets you apply online, upload documents, connect bank accounts, and receive a mortgage pre-approval with ease.
Whether you’re buying a new home or refinancing in Katy, our team is here to help. As an FHA– and VA-approved lender, Lone Star Financing delivers expert guidance and reliable solutions to support your homeownership goals.
Looking to buy a new home in Katy, TX? We’re here to help. As a trusted mortgage broker serving Katy, Lone Star Financing delivers customized home loan solutions with competitive rates, exceptional service, and deep local expertise. Whether you’re purchasing or refinancing, we make the process straightforward and stress-free. We specialize in residential home loans and offer access to FHA, VA, and USDA programs through our network of approved lending partners.
Why homebuyers choose Lone Star Financing:
- Competitive Low Rates
- Access to Multiple Lenders & Loan Programs
- Fast Loan Closings
- Unbeatable Customer Service
As a Texas-based mortgage broker, we shop your loan across multiple lenders to find the best fit for your situation. Our common-sense approach to structuring loans allows us to deliver personalized guidance, flexible options, and efficient approvals. With strong local expertise in the Katy market, we provide a high-touch experience designed specifically for Katy homebuyers from start to finish.
Better Rates. Lower Fees. Faster Closings.
Lone Star Financing is a trusted mortgage broker in Katy, TX, with over 20 years of experience closing home loans across Texas. As a broker, we help secure better rates, lower fees, and a streamlined process—so your loan moves forward smoothly and efficiently.
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
Trusted by Katy Homebuyers
Real feedback from Lone Star Financing clients across Texas.
4.6 out of 5
★★★★★
Based on 54 Google reviews
Sharon Darby
Outstanding experience with Lone Star Financing, thanks entirely to Brett. He did a phenomenal job from start to finish. His knowledge, creativity, and experience made all the difference when challenges arose.
Michael Underwood
As a realtor in Austin, I’ve worked with Lone Star Financing for nearly a decade. Their loan officers are among the best communicators in the business and consistently provide timely updates throughout the process.
Joshua Hayden
Great experience working with Lone Star Financing. The team was knowledgeable, responsive, and made the entire process smooth from start to finish. Highly recommend for anyone looking for a reliable mortgage broker.
KATY, TX MORTGAGE LENDING
CALL TODAY (855) 314-8080
- Mortgage Broker
- Low Rates & Low Fees
- Close in as few as 21 days
- On-Time Closing
Trusted Mortgage Solutions in Katy, TX
If you’re searching for a mortgage broker in Katy, Lone Star Financing specializes in new home purchases, VA loans, and FHA loans. As a local Katy mortgage lender, we service our own loans and offer flexible underwriting through independent guidelines—giving Katy homebuyers a clear advantage over traditional mortgage banks. Apply today and learn why Lone Star Financing is one of the best mortgage lenders in Texas.
Serving Homebuyers Across South Texas
In addition to Katy, Lone Star Financing provides mortgage solutions throughout South Texas. Below are nearby cities where we also offer home loan and refinancing services.
Real Estate Snapshot–As of April 2026, the average home price in Katy is $453,465, based on seasonally adjusted data for mid-tier homes. There are currently 2,324 resale and new homes on the market, including 62 open houses and 342 properties in auction, foreclosure, or bank-owned stages.Search for homes for sale in Katy, TX.
Katy home prices remained relatively stable year over year, with a modest 2.4% increase and an average sale price of $484K. Homes are selling faster, averaging just 8 days on the market compared to 10 days last year. In April, 312 homes sold, down from 466 the prior year. Best Katy Neighborhoods (2026): Based on amenities, school quality, and affordability, top communities include Cross Creek Ranch, Cinco Ranch, Kelliwood, Seven Meadows, Elyson, and Grand Lakes.
