Lone Star Financing
- Lubbock TX Mortgage Lender
- Low Rates & Low Fees
- Direct Lender
- In-House Underwriting
- Fast Approvals
- FHA, VA & USDA Loans
- Lubbock Customer Service
Lubbock, TX Mortgage Company
Welcome to Lone Star Financing, your trusted local mortgage lender in Lubbock, TX. As a direct lender, we offer competitive rates and fast closings to make the home loan process smooth and hassle-free. Our advanced, technology-driven platform allows you to easily complete your application, sync bank accounts, upload documents, and secure full loan approval quickly and securely. Since 2007, we’ve built our reputation on integrity, exceptional customer service, and transparency. Whether you’re purchasing a new home in Lubbock or refinancing, Lone Star Financing is here to guide you through every step from application to close.
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.
Explore Home Loan Options
Lubbock 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 home, secondary, investment
- FHA, USDA, and VA Loans
- Conventional Loans
- Low Rates & Variable Terms
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 with great credit
- Primary home, secondary, investment
- Up to 95% Financing
Lubbock FHA Home Loans
FHA home loans are perfect for first time home buyers in Lubbock, but you don’t have to be a first time buyer to qualify:
- Only 3.5% Down Payment
- Easier Credit Qualifying
- 203k Renovation Loans
- 1st Time Home Buyers
Lubbock VA Loans
We are an approved VA lender for veteran home loans in Lubbock, TX, offering specialized VA home loan services:
- Zero down, 100% Financing
- No Monthly PMI
- No Debt to Income Restrictions
- VA Jumbo Loans with Down Payment
USDA Home Loans
USDA loans for rural properties in Lubbock come with a variety of benefits. These loans offer 100% financing for qualified buyers:
- Rural Properties -100% Financing
- Primary Residence Only
- Closing Costs Can Be 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
Lubbock TX Mortgage Experts
Your trusted Lubbock mortgage team delivering competitive rates, on-time closings, and unmatched service, every step of the way.
Close on Time
We close loans in 28 days or less with fast in-house underwriting and processing.
Low 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.
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
LUBBOCK MORTGAGE RATES - CALL TODAY
CALL TODAY (855) 314-8080
Looking to buy a new home or refinance in Lubbock, TX? Lone Star Financing, a trusted direct lender in Texas, offers a wide range of mortgage products, including FHA, VA, USDA, Jumbo, and conventional home loans. We customize loan options to meet your unique financial needs. With local underwriters right here in Texas, we deliver fast approvals and ensure your loan closes on time. At Lone Star Financing, we understand that every borrower’s situation is unique, which is why we take a personalized approach to every loan. Whether you’re a first-time homebuyer, a seasoned homeowner, or looking to refinance for better terms, our experienced team will guide you through the process with transparency and care, ensuring a stress-free 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
2025 Lubbock, TX Real Estate
Lubbock Real Estate – Lubbock is a city in west Texas and consists of approximately 81 neighborhoods. There are currently 1,274 homes for sale, ranging from $12.2K to $7.33M. Lubbock has both affordable housing and condos well below the state average home median pricing. Currently at Trulia.com as of August, 2024 there are 648 Homes For Sale in Lubbock, TX. Browse photos, see new properties, get open house info, and research Lubbock neighborhoods at Realtor.com
Buying a new home in Lubbock? Lone Star Financing specializes in new home purchases and as a direct lender we can close loans fast – typically in 28 days or less. Give us a call or apply online in minutes – we look forward to earning your business!