LONE STAR FINANCING

MCALLEN, TX
HOME LOANS

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Lone Star Financing - McAllen Mortgage Lender

Lone Star Financing is a preferred mortgage lender in McAllen, TX and services the greater Rio Grande Valley: Edinburg, Harlingen, Pharr, Weslaco, or San Benito. Whether you’re buying a new home or refinancing, we’ve got you covered.

New Home Loans

Direct Mortgage Lender
In-House Underwriting

Low Rates & Low Fees
Fast Pre-Approval
Local McAllen, TX Service!

Mortgage Company in McAllen, TX

Local McAllen Mortgage Company — McAllen, TX Lender

Lone Star Financing is a trusted mortgage lender in McAllen, TX, committed to helping local homebuyers with loan options that are specifically designed to meet the unique needs of the Rio Grande Valley.

We offer competitive mortgage options with low rates, minimal fees, and fast approvals for a seamless process. Whether you’re buying your first home, upgrading, or refinancing, our local experts guide you every step of the way.

With in-house underwriting, we ensure quick decisions and aim to close in 21 days or less. At Lone Star Financing, we provide personalized service for a stress-free mortgage experience. Contact us today for a low rate and fast closing with McAllen’s top lender!

More About Us

As a Texas-based mortgage company, we pride ourselves on applying a “common sense” approach to underwriting, which allows us to offer flexibility and personalized service tailored to each client’s unique needs. Our mission is straightforward yet powerful: to uphold the highest standards of integrity, deliver exceptional customer service, and maintain complete transparency in all our lending practices. This commitment to excellence has earned us recognition as one of the top mortgage companies in McAllen, TX, and beyond. As an approved lender for FHA, VA, and USDA loans, we are equipped to meet the diverse financial needs of homebuyers and homeowners across the state of Texas. Whether you’re a first-time homebuyer or looking to refinance, we’re here to guide you every step of the way. Discover how our dedicated team can help make your homeownership dreams a reality. Learn More

Our McAllen Home Loans

New Home Loans

Looking to buy a new home in McAllen, TX? We offer a variety of home loan programs available for new purchases:

Primary, secondary, investment
FHA, USDA, and VA Loans
Conventional Loans
Low Rates & Variable Terms

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Conventional Loans

Our most popular loans in McAllen, conventional home loans offer several advantages, including lower interest rates.

30, 20 and 15-Year terms
Financing up to $766,500
Primary home, secondary, investment
Up to 95% Financing

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McAllen FHA Loans

FHA loans are ideal for first-time home buyers in McAllen, requiring only a 3.5% down payment and gift funds allowed.

Only 3.5% Down Payment
Easier Credit Qualifying
203k Renovation Loans
1st Time Home Buyers

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McAllen VA Loans

As an approved VA lender in McAllen, we offer low rates and are committed to helping Texas veterans maximize their benefits.

Zero down, 100% Financing
No Monthly PMI
No Debt to Income Restrictions
VA Jumbo Loans with Down Payment

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Cash Out Refinance

Unlock the equity in your home with a Texas Cash Out Refinance – enjoy lower interest rates and flexible loan refinance options.

Home Improvements
Debt Consolidation
Personal Expenses
Higher Education

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Mortgage Refinance

Lone Star Financing offers low rates and a streamlined hassle free process to refinance your mortgage in McAllen.

Reduce Monthly Payment
Shorten Mortgage Term
FHA Streamline Available
VA IRRRL Streamline

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McAllen, TX Mortgage Company

Close on Time

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

Low Rates & Fees

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

Customer Service

McAllen mortgage company with local customer support. We will be with you every step of the way.

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Why Choose Us? It's our People!

Read Our Google Reviews

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!

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!

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.

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!!!

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...

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!

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!!

TEXAS MORTGAGE RATES:

CALL (855) 314-8080

Lone Star Financing in McAllen, TX — Lone Star Financing

Lone Star Financing is a trusted mortgage lender in McAllen, TX, offering personalized loan options tailored to the Rio Grande Valley market. We specialize in conventional and government-backed loans, including FHA, VA, and USDA, providing competitive rates and flexible terms. Our local loan officers understand McAllen’s real estate trends and are committed to exceptional service, ensuring a smooth process for first-time buyers and homeowners refinancing. Get started online for same-day pre-approvals and a no-cost good faith estimate—we look forward to earning your business!

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