Lone Star Financing
- Midland Mortgage Lender
- Low Rates & Low Fees
- VA, FHA and USDA Loans
- In-House Underwriting
- Fast Approvals
- Direct Lender
- Local Texas Service
Midland, TX Mortgage Company
Welcome to Lone Star Financing, your trusted mortgage lender in Midland, TX. As a direct lender, we provide competitive rates and fast closings to ensure a smooth home loan experience. Our cutting-edge, technology-driven platform allows you to easily complete your application, link bank accounts, upload documents, and receive full loan approval quickly and securely. Since 2007, we’ve earned our reputation through integrity, exceptional customer service, and complete transparency. Whether you’re purchasing a new home in Midland or refinancing, Lone Star Financing is here to support you every step of the way.
Finding a home loan or refinancing in Midland, TX, doesn’t need to be stressful or time-consuming. If you’re a first-time homebuyer, don’t let the application process overwhelm you. Reach out to Lone Star Financing, and we’ll guide you through applying for an FHA loan, a great option for first-time buyers. We also specialize in VA and USDA loans in Midland, TX. As a Texas-based home lender, we work with local underwriters, allowing us to approve loans quickly—sometimes even on the same day!
Ranked #1 by Midland, TX Realtors, Lone Star Financing is a trusted choice for home loans. Begin your home search with us—call or click today to connect with one of our home loan specialists, or complete our online application to kickstart your approval process. Knowing you’re pre-approved with Lone Star Financing will give you confidence as you search for your dream home.
Why Choose Lone Star Financing?
- Competitive rates and low fees
- Local Texas underwriting
- No-obligation Good Faith Estimate
- Midland customer service
Lone Star Financing—your trusted Midland mortgage company for new home purchases and refinancing.
Our Home Loan Options
Midland Home Loans
We specialize in new home purchases and offer a variety of loan programs to meet your needs:
- Primary home, secondary, investment
- FHA, USDA, and VA Loans
- Conventional Loans
- Low Rates & Variable Terms
Conventional Loans
Conventional loans up to $806,500 – lower rates and reduced mortgage insurance, little as 5% down and flexible terms:
- 30, 20 and 15-Year terms
- Ultra low rates with great credit
- Primary home, secondary, investment
- Up to 95% Financing
Midland FHA Loans
FHA home loans are perfect for first time home buyers in Midland, but you don’t have to be a first time buyer to qualify:
- Only 3.5% Down Payment
- Easier Credit Qualifying
- 203k Renovation Loans
- 1st Time Home Buyers
Midland VA Loans
We are an approved VA lender for veteran home loans in Midland, TX, offering specialized VA home loan services:
- Zero down, 100% Financing
- No Monthly PMI
- No Debt to Income Restrictions
- VA Jumbo Loans with Down Payment
Midland USDA Loans
USDA loans for rural properties in Midland come with a variety of benefits. These loans offer 100% financing for qualified buyers:
- Rural Properties -100% Financing
- Primary Residence Only
- Closing Costs Can Be Rolled In
- Low Interest Rates
Mortgage Refinance
We offer streamlined hassle free mortgage refinancing. Take advantage of lower rates—refinance today and save!
- Rate & Term Refinance
- Cash-Out Refinance
- FHA Streamline Available
- VA IRRRL Streamline
Midland TX Mortgage Experts
Your trusted Midland mortgage team delivering competitive rates, on-time closings, and unmatched service, every step of the way.
Close on Time
In-house underwriting and closing, we guarantee fast approvals to keep the process smooth and stress free.
Low Rates & Fees
Midland Mortgage Lender with Low Rates, Low Fees and Fast Closings. VA, FHA and USDA Loans.
Service
Midland's trusted lender for exceptional customer service, low rates, low fees and fast closing.
Get Pre-Qualified Today!
David Howes
Sr. Loan Officer
NMLS #1438746
Chris Lederer
Production Manager
NMLS #2004549
Jen Papaelias
Sr. Loan Officer
NMLS #2692859
Ryan Wood
Sr. Loan Officer
NMLS #1757471
Brett Dempsey
Branch Manager
NMLS #2014728
Approved FHA, VA & USDA Lender
CALL TODAY (855) 314-8080
- Low Rates & Low Fees
- Close in 28 Day or Less
- In-house Underwriting
- No-Obligation Loan Estimate
- Local Customer Service
Looking for a trusted mortgage lender in Midland, TX? Call today and find out why more Midland residents are choosing Lone Star Financing for new home purchases and mortgage refinancing. As a direct Texas-based lender, we offer low rates, minimal fees, and quick decisions with local underwriting for fast approvals and closings. Our tech-driven platform, paired with personalized Texas customer service, allows us to deliver a level of service that stands above the competition. We offer a range of loan programs, including FHA, VA, and USDA loans, designed to meet the needs of Midland homebuyers.
At Lone Star Financing, our mission is to provide exceptional service that leaves every client saying, “Great job!” We strive to be your trusted mortgage lender for life, not just one transaction. Experience the difference and see why so many choose Lone Star Financing for an outstanding mortgage experience in Midland.
Lone Star Financing – Your local Midland mortgage company, offering low rates, low fees, and fast closings!
2025 Midland, TX Real Estate
Midland Real Estate Snapshot – Midland is located in the southern plains of west Texas. There are currently 753 resale and new homes in Midland, including 47 homes in the pre-foreclosure, auction, or bank-owned stages of the foreclosure process. The median listing home price in Midland, TX was $358,050 in March 2025, trending up 7.3% year-over-year. View all homes for sale in Midland, TX.
What our Midland Customers Say: “This was the second time I’ve referred my clients to Lone Star Financing and each time I have received rave reviews from my clients. As a realtor in Midland, TX, closing a loans on time is critical and you have accomplished this each time. I would recommend Lone Star Financing to any borrower’s in need of a good mortgage lenders in Midland. Keep up the great work guys!” – Michael