McAllen Home
Loan Experts
More loan options, better rates, and personalized guidance from a trusted McAllen mortgage broker
⭐ McAllen Mortgage Broker – Low Rates & Fast Closings
Your McAllen Mortgage Broker for Home Loans & Refinancing
Lone Star Financing is a trusted McAllen, TX mortgage broker helping homebuyers secure the right financing with confidence. We offer FHA, VA, Conventional, USDA Loans, and mortgage refinancing tailored to a wide range of buyers and investors.
Proudly serving McAllen and the Rio Grande Valley—including Edinburg, Harlingen, Pharr, Weslaco, and San Benito—our local team is here to guide you every step of the way.
- FHA, VA & USDA Loans
- Wholesale Pricing
- More Loan Options
- Fast Approvals
- Low Rates & Fast Close
- Local 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 McAllen borrowers.
Better Rates. More Options. Faster Closings.
A Better Home Financing Experience
Lone Star Financing is your trusted McAllen mortgage expert, providing personalized home loan guidance backed by deep local market insight. We take the time to understand your goals, budget, and timeline to match you with the right financing solution.
From first-time buyer loans to experienced cash-out refinancing, our knowledge of McAllen neighborhoods, pricing trends, and local lending details helps you move forward with clarity and confidence at every step of the mortgage process.
Close on Time
Our goal is to close every loan in 21 days or less, with fast approvals and dependable on-time funding.
Low Rates & Fees
McAllen's trusted mortgage broker delivering exceptional service, low rates, and fast closings.
Customer Service
McAllen mortgage company with local customer support. We will be with you every step of the way.
Mortgage Company in McAllen, TX
Lone Star Financing is a trusted McAllen, TX mortgage broker offering loan options tailored to the needs of the Rio Grande Valley. We provide competitive rates, low fees, and fast approvals for a smooth, efficient process.
With in-house underwriting, we deliver quick decisions and target closings in 21 days or less. Whether you’re buying, upgrading, or refinancing, our local experts offer personalized guidance from application to closing for a stress-free mortgage experience.
As a Texas-based mortgage broker, we take a practical, common-sense approach to structuring loans—focusing on flexibility, efficiency, and solutions tailored to each borrower’s unique situation. By working with a wide network of trusted lending partners, we’re able to match you with competitive options that fit your goals, whether you’re purchasing a home or refinancing an existing mortgage.
Our mission is simple: operate with integrity, deliver exceptional service, and maintain complete transparency every step of the way. From your initial consultation through closing, our team is hands-on, responsive, and committed to making the process as smooth and stress-free as possible.
This approach has made Lone Star Financing a trusted mortgage broker in McAllen, TX and throughout Texas. We specialize in FHA, VA, and USDA loans, helping first-time homebuyers and experienced homeowners alike navigate their options with confidence. No matter your scenario, we’re here to guide you through the process and help you secure the right loan for your needs. Learn More
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 McAllen Homebuyers
Real feedback from Lone Star Financing clients across Texas.
Daniel Ramirez
2 months ago
★★★★★
Jen made our first home mortgage process easy and stress-free. She was extremely responsive, explained everything clearly, and helped us secure a great rate. Jen answered all our questions promptly and made sure we understood every detail before closing.
Sharon Darby
3 months ago
★★★★★
Outstanding experience with Lone Star Financing, thanks entirely to Brett. He did a phenomenal job from start to finish. His knowledge, creativity, and experience made all the difference, especially when challenges arose.
Bettis Morelock
3 months ago
★★★★★
Brett is so helpful. Quality service. Can’t recommend enough.
Dan Andrews
4 months ago
★★★★★
I don’t typically write reviews, but I wanted to acknowledge the excellent service from this company. Chien was knowledgeable, responsive, and a pleasure to work with.
Luke
4 months ago
★★★★★
I highly recommend Chien at Lone Star Financing. Chien is very knowledgeable, patient, and efficient. She was always available when we needed to contact her and secured us a great rate.
Chuen Leik Low
4 months ago
★★★★★
Amazing service from Lone Star Financing. Chien was knowledgeable, responsive, and made the mortgage process effortless. We always knew what was happening and felt in great hands.
McAllen Mortgage Lending
CALL TODAY (855) 314-8080
Lone Star Financing is a trusted McAllen, TX mortgage broker offering personalized loan options for the Rio Grande Valley. We provide competitive rates on conventional, FHA, VA Loans, and USDA loans, backed by local expertise and attentive service. Start online for fast pre-approvals and a smooth, stress-free lending experience.
Serving Homebuyers Across the Rio Grande Valley
In addition to McAllen, TX, Lone Star Financing provides mortgage solutions throughout the Rio Grande Valley. Below are nearby cities where we also offer home loan and refinancing services.
Our Locations : No matter where you’re located in Texas, our home loan experts are ready to help. As a licensed Texas mortgage lender, we deliver competitive financing and fast closings throughout the state.
South Texas Lending
Central Texas Lending
