McAllen, Texas Mortgage Lender

LONE STAR FINANCING

MCALLEN, TX
HOME LOANS

Low Rates & Fast Closing

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
Free Good Faith Estimate
Local McAllen, TX Service!

MCALLEN HOME LOANS

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 provide a range of competitive mortgage products with low rates, minimal fees, and fast approvals to ensure a smooth process. Whether you’re purchasing your first home, upgrading to a larger property, or refinancing an existing loan, our team of local mortgage experts is here to guide you every step of the way. With in-house underwriting and processing, we guarantee quick decisions and aim to close your loan in 30 days or less. At Lone Star Financing, we pride ourselves on delivering personalized service and ensuring a stress-free mortgage experience. Reach out today to get a low rate and close fast with McAllen’s top mortgage lender.

More About Us

Lone Star Financing is proud to be based in McAllen, Texas. With Roel Reyna as the McAllen branch manager and Pamela Trevino as a Senior Loan Officer, our local team is ready to assist with all your home financing needs. We offer a wide variety of home loan products, competitive rates, low fees, and quick closings. Thanks to our in-house underwriting and processing, we make faster decisions than traditional mortgage brokers, aiming to close loans in 30 days or less.

As a Texas-based mortgage company, we apply a “common sense” approach to underwriting, offering flexibility and personalized service. Our mission is simple: to deliver integrity, outstanding customer service, and transparent lending practices. This formula has earned us recognition as one of top mortgage companies in McAllen, TX. We are an approved lender for FHA, VA, and USDA loans, ensuring we meet diverse needs across the state. Learn More

McAllen TX Home Loans

NEW PURCHASE

Conventional loans offer 30, 20, and 15-year fixed-rate options with favorable terms, including lower mortgage insurance and reduced interest rates, depending on your credit score.

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

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MCALLEN FHA LOANS

FHA loans are ideal for first-time homebuyers, requiring only a 3.5% down payment. They are specifically designed to assist low- and moderate-income families in achieving homeownership.

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

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MCALLEN VA LOANS

VA home loans offer veterans a lot of benefits, including no down payment and no private mortgage insurance (PMI), making homeownership affordable for our Texas Vets.

0% down payment
Simple Qualifying
Higher Debt to Income OK
Lower FICO Down to 580

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MORTGAGE REFINANCE

Lone Star Financing is your trusted mortgage partner for rate and term refinancing in McAllen. Refinance today to take advantage of lower rates and start saving!

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

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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 approval and on-time fundings.

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 at every step from application to closing. Read what our customers are saying!

Jump in Front of the Line!
Pre-Qualify Today

Pre-approvals help give you a clear idea of your budget and it also shows sellers you’re a serious buyer, giving you an advantage in competitive markets.

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!!

McAllen, TX Home Loans

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MCALLEN, TX MORTGAGE RATES:

CALL (855) 314-8080

Lone Star Financing in McAllen, TX — Lone Star Financing

Lone Star Financing is a Texas mortgage lender in McAllen, TX that provides local homebuyers with personalized loan options tailored to the Rio Grande Valley market. Specializing in both conventional and government-backed loans like FHA, VA, and USDA, we can help clients navigate the complexities of home financing with competitive rates and flexible terms. Our loan officers have a deep knowledge of McAllen’s real estate trends and a focus on exceptional customer service, they ensure a smooth and efficient mortgage process for both first-time buyers and home owner’s looking to refinance. 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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