Mortgage Lender in Laredo, Texas
LONE STAR FINANCING

LAREDO, TX
HOME LOANS

Low Rates & Fast Close

Lone Star Financing - Laredo Mortgage Lender

Préstamos para viviendas en Laredo- Hablamos español
Lone Star Financing, a trusted mortgage lender in Laredo, Texas. We provide competitive rates and quick loan closings and specialize in new home loans – we are an approved VA and FHA lender. Whether you’re purchasing or refinancing, we’re here to help.
  • New Home Loans & Refinance 
  • Direct Mortgage Lender
  • In-House Underwriting & Processing 
  • Low Rates & Low Fees 
  • Free Approval & Good Faith Estimate
  • Local Laredo Customer Service!

Lone Star Financing - Laredo Texas Mortgage Experts

Best Mortgage company in Laredo
Lone Star Financing- Laredo, TX

Looking for a trusted mortgage lender in Laredo, TX? Lone Star Financing offers competitive rates, low fees, and quick approvals. Whether you’re buying your first home or refinancing, our local experts are here to guide you through the process every step of the way. With over a decade of experience, we specialize in conventional, FHA, and VA loans, ensuring you secure the best rates and a smooth, fast closing process. Reach out today to get started with Laredo’s top mortgage lender!

Laredo TX Home Loans

Conventional Mortgages in Laredo

30, 20 and 15-YEAR TERMS

Conventional loans offer attractive terms, including lower mortgage insurance and reduced interest rates, which vary based on your credit score.

  • Low fixed rates
  • As little as 5% down
  • 30, 20 and 15 Year Terms
  • Max value of $766,500
FHA Loans

FHA HOME LOANS 

FHA loans are an excellent option for first-time homebuyers in Laredo, requiring just a 3.5% down payment.  Specifically designed to assist low- and moderate-income families.

  • Only 3.5% down payment 
  • Flexible Underwriting Guidelines
  • Higher Debt to Income OK
  • Lower FICO Down to 580
Laredo VA Loans

VA HOME LOANS

VA loans provide veterans with significant benefits, including no down payment and no requirement for private mortgage insurance (PMI), making homeownership more affordable and accessible for those who have served.

  • 0% down payment 
  • Simple Qualifying 
  • Higher Debt to Income OK
  • Lower FICO Down to 580
Laredo Cash Out Refinance

MORTGAGE REFINANCE

Lone Star Financing in Laredo is your trusted partner for mortgage refinancing in Texas, providing low refinance rates, quick pre-approvals, and fast closings. 

  • Rate & Term Refinance
  • Cash Out Refinance 
  • Debt Consolidation 
  • FHA Streamline & VA IRRRL’s  

Laredo Home Loans

Close on Time

Our goal is to close every loan in 28 days or less. In-house underwriting, processing, and closing for fast approval and on-time fundings.

Low Rates & Fees

Laredo Mortgage Lender with Low Mortgage Rates. FHA, VA, and USDA Approved Lender.

Customer Service

Laredo mortgage company with local customer support. We will be with you at every step from application to closing. Read what our customers are saying!

Laredo Pre-qualification
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Why Choose Us? It's our People!
Roel Reyna

Roel Reyna

Branch Manager
NMLS #513162

Ricardo Trejo - Lakeway, TX

Ricardo Trejo

Branch Manager
NMLS #347481

Pam Trevino - TX Loan Officer

Pam Trevino

Sr. Loan Officer
NMLS #2188276

Roman Balley - Lone Star Financing

Roman Balley

Production Manager
NMLS #2267211

Read Our Google Reviews
Rebeka L
Rebeka L
Heartland, TX - 1 month ago
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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!
Michael Underwood
Michael Underwood
Austin, TX - 1 week ago
Read More
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!
Jordan Rodriquez
Jordan Rodriquez
Bastrop, TX -2 weeks ago
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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.
Veronica M.
Veronica M.
Camey, TX - 1 week ago
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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!!!
Scott Kruse
Scott Kruse
San Marcos, TX - 2 months ago
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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...
David, Y
David, Y
San Antonio, TX - 1 month ago
Read 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!
Lisa Elston
Lisa Elston
Austin, TX - 1 week ago
Read More
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!!
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Laredo, TX Home Loans

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Lone Star Financing - Your Laredo, TX Mortgage Company for Low Rates

Lone Star Financing is a trusted mortgage lender in Laredo, TX, specializing in home loans customized for the local market. Our experienced loan officers work closely with buyers to find the best financing options, ensuring a smooth, personalized process. With underwriting handled in Texas, we streamline approvals by understanding local regulations. We offer a bevy of loanprograms, including conventional, FHA, VA, and USDA, we provide competitive rates and flexible terms. Whether you’re a first-time buyer or looking to refinance, we’ve got you covered.  Apply Online today – free good faith estimates!
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