LONE STAR FINANCING

MIDLAND, TX
HOME LOANS

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Lone Star Financing - Midland Mortgage Lender

Whether purchasing a new home in Midland or looking to refinance your existing mortgage, Lone Star Financing is here to help. With competitive rates, outstanding service, and in-house underwriting, we ensure a stress free closing.

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.

More About Us

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

Close on Time

In-house underwriting and closing, we guarantee fast approvals to keep the process smooth and stress free.

Low Rates

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.

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Why Choose Lone Star Financing?
It's our People!

Read Our 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 - Midland, TX Mortgage Lender

Approved FHA, VA & USDA Lender

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

MIDLAND, TX
HOME LOANS