Lubbock Home Loans & Refinancing from a Trusted Local Lender
Buying a home in Lubbock? Lone Star Financing is a trusted local mortgage lender helping homebuyers secure the right loan with confidence. We offer competitive rates, flexible options, and personalized service for first-time and move-up buyers.
As a mortgage broker with access to 20+ lenders and wholesale pricing, we deliver lower rates and fast closings—guiding you smoothly from application through closing.
- Mortgage Broker
- Wholesale pricing access
- Fast Approvals
- FHA, VA & USDA Loans
- Texas Customer Service
Explore Home Loan Options
New Home Loans
Buying a new home in Lubbock? We specialize in new purchases and offer a wide range of new home loan programs:
- Primary or secondary
- FHA, USDA, and VA
- Conventional Loans
- Low Rates
Conventional Loans
Conventional loans offer lower rates and lower mortgage insurance, only 5% down and flexible terms:
- 30, 20 and 15-Year terms
- Ultra low rates
- Primary or secondary
- Up to 95% Financing
FHA Home Loans
FHA home loans are perfect for first time home buyers, but you don’t have to be a first time buyer to qualify:
- Only 3.5% Down
- Easier Credit Qualifying
- 203k Renovation Loans
- 1st Time Home Buyers
Lubbock VA Loans
We are an approved VA lender for veteran loans in Lubbock—offering specialized VA loan services:
- Zero down
- No Monthly PMI
- No DTS Restrictions
- VA Jumbo Options
USDA Home Loans
USDA loans for rural properties come with a variety of benefits. These loans offer 100% financing for qualified buyers:
- 100% Financing
- Primary Residence Only
- Closing Costs Rolled In
- Low Interest Rates
Mortgage Refinance
Lone Star Financing offers streamlined refinancing for fast approvals and hassle free refinancing in Lubbock.
- Reduce Monthly Payment
- Shorten Mortgage Term
- FHA Streamline Available
- VA IRRRL Streamline
A Better Way to Finance Your Home
Lone Star Financing is your trusted Lubbock mortgage expert, providing personalized home loan guidance backed by local market expertise. We help you choose the right financing based on your goals, budget, and timeline.
From first-time buyers to seasoned homeowners, our insight into Lubbock neighborhoods and lending trends ensures confident, informed decisions throughout the home loan process.
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.
Better Rates
Lubbock Mortgage Lender with Low Rates, Low Fees and Fast Closings. FHA, VA, and USDA Approved Lender.
Service
Lubbock’s trusted mortgage company, delivering exceptional service and a stress-free experience.
Lubbock Home Loans, Done Right!
Lone Star Financing is your trusted Lubbock mortgage lender, delivering competitive rates and fast, reliable closings. Our secure, technology-driven platform makes applying easy—so you can move from application to approval with confidence.
Since 2007, we’ve earned our reputation through integrity, transparency, and outstanding service. Whether you’re buying a home or refinancing in Lubbock, we’re here to guide you every step of the way.
Looking to buy a new home in Lubbock or refinance your current mortgage? Lone Star Financing is here to help! We specialize in both new home purchases and mortgage refinancing, offering a wide range of loan programs to suit your needs. Whether you’re interested in Texas FHA loans, VA home loans, or USDA rural home loans in Lubbock, we’ve got the perfect option for you. Our experienced team will guide you through the process, ensuring you get the right mortgage for your financial situation—whether you’re purchasing a home or refinancing your existing loan, we’ve got you covered!
- Direct Mortgage Lender
- Local underwriting and closing for fast approvals
- No-Obligation Good Faith Estimate
- Local Lubbock, TX customer service
What sets Lone Star Financing apart? We offer competitive rates, personalized service, and a wide range of mortgage products with quick and easy pre-approvals. Our motto—low rates, low fees, and fast closings—has made us a top choice for Lubbock borrowers, earning us a reputation as a trusted mortgage lender in Texas. Lone Star Financing is a Texas-based mortgage lender committed to building long-term relationships with borrowers, no matter the market conditions. We blend modern technology with a practical, client-first approach to ensure we meet—and exceed—your expectations. Our goal is to leave clients saying, “Great job!” by delivering exceptional service for every loan. We strive to be your trusted mortgage lender for life, not just for one transaction. Discover why so many are choosing Lone Star Financing for a superior mortgage experience in Lubbock! Whether you need home financing in Lubbock, Dallas, Houston, Austin, San Antonio or Waco, we have you covered.
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
Lubbock Mortgage Company
CALL TODAY (855) 314-8080
Lone Star Financing is a trusted choice for home loans in Lubbock, offering FHA, VA, USDA, jumbo, and conventional options tailored to your goals.
Whether you’re buying your first home or refinancing, our experienced team provides personalized guidance and a smooth, stress-free mortgage experience from start to finish.
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
Lubbock Real Estate Snapshot
Lubbock Real Estate – Lubbock is a city in west Texas and consists of approximately 81 neighborhoods. Lubbock offers a strong mix of affordable housing and condominiums priced well below the Texas median. The average home price is $276,423, with over 1,300 homes currently on the market. As of January 2025, hundreds of homes are listed for sale in Lubbock, giving buyers a wide range of options across neighborhoods and price points.