Trusted McKinney
Mortgage Broker
Mortgage broker in McKinney with low rates, more loan options, and local expertise you can trust
⭐ McKinney Mortgage Company – Low Rates & Fast Closings
McKinney Mortgage Broker for Home Loans & Refinancing
Lone Star Financing helps McKinney homebuyers and homeowners secure competitive rates, flexible financing, and a simple mortgage experience.
As an independent mortgage broker, we partner with 30+ wholesale lenders to deliver better pricing, more options, and faster closings. We specialize in FHA home loans, VA loans, Conventional loan, Jumbo mortgages, and Refinance Options —providing clear guidance and a personalized approach every step of the way.
- FHA, VA & Jumbo Loans
- Wholesale Pricing Access
- More Loan Options
- Fast Approvals
- Low Rates & Fast Close
- Local Dallas Service!
The Lone Star Financing Advantage
Compare the benefits of working with an McKinney mortgage broker versus a traditional bank—see how a mortgage broker can offer better rates, more loan programs, and greater financing flexibility.
One lender. One set of loan options.
Lower rates and more loan options.
Limited to the programs they offer.
Access a wider range of loan programs.
One set of guidelines for every borrower.
Flexible guidelines for more borrowers.
One set of strict credit requirements.
Multiple lenders with flexible credit guidelines.
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 McKinney borrowers.
Better Rates. More Options. Faster Closings.
Low-Rate Home Loans & Refinancing in McKinney
Lone Star Financing is your trusted McKinney mortgage broker, providing personalized home loan guidance backed by in-depth knowledge of the local market. We work closely with you to match the right financing to your goals, budget, and timeline.
From first-time home buyers to homeowners looking to access equity through a Texas Cash-Out Refinance, we’ve got you covered. As an independent mortgage broker, we shop your loan across multiple lenders to secure competitive rates and deliver fast, efficient closings.
Fast Close
Our goal is to close every loan in 21 days or less, delivering fast approvals and reliable, on-time funding.
Rates
As a broker we offer low rates, low fees, and fast closings. FHA, VA, and USDA approved.
Service
We prioritize our clients, delivering exceptional service and a smooth, stress-free experience from start to finish.
Your Local McKinney, TX Home Loan Experts
Welcome to Lone Star Financing, your trusted McKinney, TX mortgage lender. We offer competitive rates, fast closings, and a streamlined, technology-driven process that makes applying, uploading documents, and securing approval simple and secure. Since 2007, we’ve built our reputation on integrity, transparency, and exceptional customer service.
Are you looking for a new home in McKinney? At Lone Star Financing, we specialize in new home purchases, offering pre-qualification letters and a no-cost Good Faith Estimate to help you get started. As an approved lender for FHA, USDA, and Texas VA loans, we provide tailored loan options to meet your unique needs. Give us a call today to discover why so many homebuyers choose Lone Star Financing for their Texas home loans. Whether you’re purchasing a new home in McKinney or refinancing your current mortgage, Lone Star Financing is here to assist you every step of the way. Whether you’re considering Texas FHA loans, VA home loans, or USDA rural home loans in McKinney, we have the perfect solution for you. Our experienced team will guide you through the process, ensuring you secure the best mortgage option for your financial goals.
Why Choose Lone Star Financing?
- Direct Mortgage Lender
- Local Underwriting and Fast Approvals
- No-Obligation Good Faith Estimate
- Local McKinney, TX Service
What sets Lone Star Financing apart is our commitment to competitive rates, personalized service, and a wide variety of mortgage products with fast, easy pre-approvals. As a Texas-based mortgage lender, we are dedicated to building long-term relationships with our clients, regardless of market conditions. By combining advanced technology with a client-first approach, we strive to exceed your expectations at every turn.
Real People. Local Expertise. Better Service.
Debbie Odell
Sr. Loan Officer
NMLS #1121045
Glen Dicken
Loan Officer
NMLS #313548
Brett Dempsey
Branch Manager
NMLS #2014728
Mark Dusza
Sr. Loan Officer
NMLS #860825
Ryan Wood
Loan Officer
NMLS #1757471
“Mark Dusza and the Lone Star Financing team made our DSCR loan process smooth from start to finish. We closed with a competitive rate, excellent communication, and a fast, stress-free experience.”
“Debbie Odell made our first home buying experience in Texas incredibly smooth and reassuring. She went above and beyond throughout the entire process and was always available to help every step of the way.”
“Mark made our home loan process clear, simple, and easy to navigate. He was always available to answer questions, and we truly appreciated the communication and support from Lone Star Financing.”
McKinney Home Loans & Refinance
Apply Online in Minutes
Get started with a simple online mortgage application and compare McKinney home loan options with Lone Star Financing. We help Texas buyers and homeowners find competitive rates, low fees, and fast closing solutions.
McKinney Mortgage Company
CALL TODAY (855) 314-8080
- Low Rates & Low Fees
- Local underwriting
- USDA, VA and FHA loans
- Texas Customer Service
Mortgage Lending Across North Texas
In addition to McKinney, TX, Lone Star Financing provides mortgage solutions throughout North Texas. Below are nearby cities where we also offer home loan and refinancing services.
Arlington Carrollton Dallas Denton Garland Grand Prairie Fort Worth Irving Lewisville Allen Mesquite Plano Richardson Wichita Falls
Serving Homebuyers Across Texas — Lone Star Financing is a trusted Texas mortgage broker serving homebuyers throughout the state. We provide competitive home financing and refinancing solutions for borrowers in cities throughout Texas, including South Texas, Central Texas, and West Texas locations.
South Texas Home Loans
Central Texas Home Loans
From Dallas and Fort Worth to Plan, Irving, Lewisville, and communities across Texas, Lone Star Financing helps homebuyers secure lower rates, flexible financing, and provides a stress free experience from application to closing.
McKinney Real Estate & Home Loans
McKinney continues to be one of the fastest-growing and most desirable communities in North Texas, attracting first-time homebuyers, growing families, and professionals seeking excellent schools and a high quality of life. Known for its historic downtown, master-planned communities, and strong local economy, McKinney offers a wide range of housing opportunities throughout Collin County. Learn more about community services and development initiatives through the City of McKinney.
As a trusted McKinney 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 McKinney and surrounding communities including Allen, Frisco, Prosper, Melissa, Fairview, Princeton, and Anna, helping borrowers secure competitive rates, flexible home loan solutions, and a smooth mortgage process from pre-approval through closing.
Real-Estate Snapshot: As of June 2026, there are 1,443 new and resale homes for sale in McKinney, including 43 open houses and 132 properties in pre-foreclosure or foreclosure. The average home listing price in McKinney is $420,455.