Texas Trusted Mortgage Lender
LONE STAR FINANCING

NEW PURCHASE
HOME LOANS

Texas FHA, VA & Conventional Loans

We Specialize in New Home Loans

Lone Star Financing is a local Texas mortgage company for FHA, VA, USDA, and Conventional loans. What makes us different is that as a direct lender we manage the entire process from application to funding. Our in-house underwriting enables quick, common sense approvals.  

New Purchase Loan Options

New Purchase Loans

CONVENTIONAL LOANS

Conventional loans offer favorable terms, including lower mortgage insurance and lower interest rates.

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

TEXAS FHA LOANS 

FHA loans are ideal for first-time homebuyers and moderate income families, and require only 3.5% down. 

  • Only 3.5% down payment 
  • Flexible Underwriting Guidelines
  • Higher Debt to Income OK
  • Lower FICO Down to 580
VA New Purchase Loans

TEXAS VA HOME LOANS

VA loans offer numerous benefits, including no down payment and no private mortgage insurance (PMI).

  • 0% down payment 
  • Simple Qualifying 
  • Higher Debt to Income OK
  • Lower FICO Down to 580
USDA New Purchase

USDA LOANS 

USDA loans for rural properties in Dallas 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
Jumbo Mortgages

JUMBO LOANS 

Jumbo Mortgages in Texas up to $3,000,000, financed through private investor programs and flexible guidelines.

  • Loans up to $3,000,000
  • Primary & Secondary Homes
  • Investor Specific Guidelines
  • Credit Score Minimums

Texas Home Loans, Done Right!

Close on Time

Our goal: close every loan in 30 days or less. With in-house underwriting, processing, and closing, we ensure fast approvals and on-time funding.

Low Rates & Fees

Texas Mortgage Lender with Low Rates, Low Fees and Fast Closings. FHA, VA, and USDA Approved Lender.

Customer Service

Texas home loans offering exceptional customer support. We're with you every step, from application to closing. See what our satisfied clients have to say!

Jump in Front of the Line
Pre-Qualify Today

 Start your pre-approval online!

Why Choose Us? It's our People!
Austin, TX Loan Officer

Shawn Dulac

Sr. Loan Officer
NMLS #1320463

Pam Trevino - TX Loan Officer

Pam Trevino

Sr. Loan Officer
NMLS #2188276

Ricardo Trejo - Lakeway, TX

Ricardo Trejo

Branch Manager
NMLS #347481

Eden Vick - TX Lender

Eden Vick

Sr. Loan Officer
NMLS #490185

Roman Balley - Lone Star Financing

Roman Balley

Production Manager
NMLS #2267211

Read Our Google Reviews
Rebeka L
Rebeka L
Heartland, TX - 1 month ago
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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!
Michael Underwood
Michael Underwood
Austin, TX - 1 week ago
Read More
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!
Jordan Rodriquez
Jordan Rodriquez
Bastrop, TX -2 weeks ago
Read More
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.
Veronica M.
Veronica M.
Camey, TX - 1 week ago
Read More
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!!!
Scott Kruse
Scott Kruse
San Marcos, TX - 2 months ago
Read More
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...
David, Y
David, Y
San Antonio, TX - 1 month ago
Read 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!
Lisa Elston
Lisa Elston
Austin, TX - 1 week ago
Read More
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!!
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TODAY'S TEXAS MORTGAGE RATES:

CALL (855) 314-8080

Still have questions about which Texas mortgage is right for you?  Visit with one of our Texas mortgage loan experts for free consult. 

  • Review your scenario
  • Provide best loan options
  • Review available rates and fees
  • Calculate your exact borrowings & repayments
  • Explain all fees, charges, and the general process
  • Show you ways to save money
  • Provide a no cost loan estimate
  • Learn more about the Home Loan Process
Lone Star Financing
Lone Star Financing

Not sure which mortgage loan type is right  for you? Call or apply online to connect with one of our experienced loan officers. We’ll guide you through all your options, including loan types and rates, and help tailor a mortgage that meets your specific needs. As a direct Texas mortgage lender, we offer low rates and fast approvals with in-house underwriting. Our streamlined process allows us to close loans in 28 days or less, ensuring a quick and stress-free experience from start to finish. Whether you are a first time buyer in need of a FHA loan or a Texas Vet in need of a VA loan, we’ve got you covered. Let our team of professional mortgage experts help find the perfect loan!