Trusted Lubbock
Mortgage Lender
More loan options, better rates, and personalized guidance from a local Lubbock mortgage broker
⭐ Lubbock Mortgage Broker – Low Rates & Fast Closings
Your Lubbock Mortgage Lender for Home Loans & Refinancing
Buying a home in Lubbock? Lone Star Financing is a trusted mortgage lender helping local buyers secure the right loan with confidence. We offer competitive rates, flexible options, and personalized guidance for first-time and move-up buyers.
With access to 20+ lenders and wholesale pricing, we deliver lower rates and faster closings. We offer FHA, VA, Conventional, Jumbo, and refinance solutions tailored to a wide range of homebuyers.
- 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 Lubbock borrowers.
Better Rates. More Options. Faster Closings.
The Lone Star Advantage
Lubbock Home Loan Experts
Lone Star Financing is your trusted Lubbock mortgage lender, 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 homebuyers to mortgage refinancing, we provide personalized guidance and attentive service at every stage of the loan process, helping you move forward with confidence.
Start Your Pre-ApprovalClose 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.
Wholesale Pricing
Lubbock Mortgage Broker with Low Rates, Low Fees and Fast Closings. FHA, VA, and USDA loan option.
Personalized Service
Your local Lubbock mortgage lender- we provide exceptional customer support, guiding you every step of the way.
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 Lubbock Homebuyers
Real feedback from Lone Star Financing clients across Texas.
4.6 out of 5
★★★★★
Based on 54 Google reviews
Gyzenia Tucker
I worked with Jen Papaelias at Lone Star Financing and I cannot rave enough about her. She went above and beyond to help me purchase my dream home, and whenever we hit a few minor bumps, she helped get everything worked out. Lone Star Financing will be the first recommendation I give anyone looking to buy a home!
Julianne Fogle
Fantastic experience from start to finish. The process was smooth, communication was clear, and the team made everything easy to understand. I would absolutely recommend Lone Star Financing to anyone buying a home.
Adriana Castro
Highly recommend Lone Star Financing. They were professional, helpful, and made the home loan process simple and stress-free. The team stayed responsive and guided us clearly every step of the way.
Lubbock Home Loans & Refinance
Apply Online in Minutes
Get started with a simple online mortgage application and compare Lubbock home loan options with Lone Star Financing. We help Texas buyers and homeowners find competitive rates, low fees, and fast closing solutions.
Lubbock Mortgage Lender
CALL TODAY (855) 314-8080
Lone Star Financing is a premier mortgage broker 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.
Mortgage Lending Across West Texas
Serving Homebuyers Across Texas — Wherever you call home, Lone Star Financing is here to help. We provide competitive mortgage financing and refinancing solutions for borrowers throughout Texas, including North Texas, South Texas, Central Texas, and beyond.
South Texas Lending
Central Texas Lending
Lubbock Texas Real Estate & Home Loans
Lubbock continues to be one of the most affordable housing markets in West Texas, attracting first-time homebuyers, Texas Tech University faculty and staff, medical professionals, and growing families. Known for its strong economy, excellent healthcare, and vibrant community, Lubbock offers a wide range of housing opportunities with exceptional value throughout the region.
As a trusted Lubbock mortgage lender and mortgage broker, Lone Star Financing helps homebuyers compare FHA, VA, Conventional, USDA, Jumbo, and refinance loan options from 25+ lenders. We proudly serve Lubbock and surrounding communities including Wolfforth, Shallowater, Slaton, Levelland, Abernathy, and other areas throughout Lubbock County, helping borrowers secure competitive rates, flexible home loan solutions, and a smooth mortgage process from pre-approval through closing.
The average home price is $274,423, with over 1,300 homes currently on the market. As of June 2026, hundreds of homes are listed for sale in Lubbock, giving buyers a wide range of options across neighborhoods and price points.
Learn more about community services and development initiatives through the City of Lubbock.
