Killeen Home Loans & Refinancing from a Trusted Local Lender
Whether you’re buying a new home in Killeen or refinancing your existing mortgage, Lone Star Financing is your trusted local mortgage lender, dedicated to delivering smart financing solutions with confidence and clarity. As a mortgage broker, we offer access to wholesale pricing, competitive rates, and a wide range of loan options—helping you secure the best terms for your situation.
Backed by responsive service and a hands-on approach, our team works efficiently to provide faster approvals, clear communication, and personalized guidance. From application to closing— Lone Star Financing delivers a smooth, streamlined home loan experience designed to help you move forward with confidence.
- FHA, VA & Conventional
- Mortgage Broker
- Wholesale pricing access
- Low Rates & Low Fees
- Fast Pre-Approval
- Local Customer Service!
Our Killeen Home Loans
New Home Loans
Do you need financing for a new home in Killeen, TX? We are a local Texas lender and offer an array of loan products:
- Primary or secondary
- FHA, USDA, and VA
- Conventional Loans
- Low Rates
Conventional Loans
Conventional loans are our most popular loans in Killeen, come with low rates and offer several advantages:
- 30, 20 and 15-Year terms
- Financing up to $832,750
- Primary or secondary
- Up to 95% Financing
Killeen FHA Loans
FHA loans are perfect for first-time home buyers. Require only a 3.5% down payment and gift funds are OK.
- Only 3.5% Down
- Easier Credit Qualifying
- 203k Renovation Loans
- 1st Time Home Buyers
Killeen VA Loans
We are an approved VA lender in Killeen, TX and committed to helping our Texas Veterans maximize their benefits.
- Zero down
- No Monthly PMI
- No DTI Restrictions
- VA Jumbo Loans
Cash Out Refinance
Tap into the equity in your home with a Texas Cash Out Refinance – we offer low, fast approvals and flexible loan options.
- Home Improvements
- Debt Consolidation
- Personal Expenses
- Higher Education
Mortgage Refinance
Lone Star Financing provides competitive rates and a smooth, hassle-free process for mortgage refinancing.
- Reduce Monthly Payment
- Shorten Mortgage Term
- FHA Streamline Available
- VA IRRRL Streamline
A Better Home Financing Experience
Your trusted Killeen mortgage team, we’re committed to delivering competitive rates, clear guidance, and dependable service from application to closing. Our local expertise allows us to navigate the Killeen real estate market efficiently, helping borrowers move forward with confidence.
Whether you’re purchasing a new home, refinancing to improve your terms, or planning your next investment, our team prioritizes on-time closings and a smooth experience at every step. We’re here to make the mortgage process simple, transparent, and tailored to your goals.
Close on Time
Our goal is to close every loan in 21 days or less. With in-house underwriting, processing, and closing, we ensure fast approvals and timely funding.
Low Rates & Fees
Killeen mortgage lender with Low Mortgage Rates. FHA, VA, and USDA Home Loans.
Service
Killeen, TX customer care -we will be with you at every step from application to closing.
Trusted Killeen Mortgage Experts
Located in Killeen, TX, we understand the local market and proudly serve our community with competitive rates, flexible loan options, and personalized support. Whether you’re buying, refinancing, or investing, our mortgage experts are here to help.
By leveraging advanced technology, we consistently deliver exceptional customer service that truly stands out in the industry. Because of our commitment to “Low Rates, Low Fees, and Fast Closings,” more individuals in the Killeen area trust us as their go-to mortgage partner.
Looking to buy a new home in Killeen, Texas? Lone Star Financing is a direct mortgage lender that specializes in new home purchases: FHA Loans, VA Home Loans, and USDA Home Loans in Killeen. Texas FHA loans, Texas VA loans and Texas USDA are just a few loan programs available to the residents of Killeen.
- Killeen Mortgage Lender
- Local underwriting and closing
- No-Obligation Good Faith Estimate
- Local Killeen customer service
Lone Star Financing is a preferred Killeen mortgage lender by realtors in Texas because we can close loans quickly and on time as promised. As a direct mortgage lender we offer local Texas underwriting which enables our underwriter’s to make quicker decision and can process loans quickly. What our Customer’s Are Saying: “I called when I was overseas and Charlie was so helpful and knowledgeable I knew instantly I had found the right mortgage company to help with my home loan in Killeen. You helped educate me on the home loan process and the advantages of the VA home loan program. Thank you for all of the help!” – Staff Sergeant, Michael Bishop
Better Rates. Lower Fees. Faster Closings.
Lone Star Financing is a trusted mortgage lender serving Killeen, TX, with more than 20 years of experience closing home loans across Texas. As a mortgage broker, we help provide better rates, lower fees, and a streamlined lending process—so your transaction continues to move smoothly from start to finish.
Allen Lundberg
Sr. Loan Officer
NMLS #277507
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
KILLEEN, TX MORTGAGE:
CALL TODAY (855) 314-8080
- Local Texas Lender
- Close in as little as 21 days
- Free Good Faith Estimate
- Top Notch Service
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
Killeen Texas Real Estate
The median home price in Killeen was $243K in March 2026, trending up 16.3% year-over-year. The median cost per square foot for homes in Killeen, TX was $122 per square foot. What are the popular neighborhoods Killeen? Some of the trending neighborhoods in or around Killeen, Texas is White Rock Estates, Goodnight Ranch, and Yowell Ranch. Search all homes for sale in Killeen, Texas. Lone Star Financing is your Texas mortgage lender for new home loans and mortgage refinance in Killeen, TX.
As a leading mortgage company in Killeen, TX, we are dedicated to helping individuals and families achieve their homeownership dreams with ease and confidence. Our team of experienced professionals is committed to providing personalized mortgage solutions that cater to a wide range of financial situations. Whether you’re a first-time homebuyer, a seasoned investor, or looking to refinance your current home in Killeen, TX, we offer a variety of loan programs to suit your unique needs.