Police, Firefighters and First Responders - Home Loans in Texas
Welcome to Lone Star Financing, your trusted partner for home financing in Texas. Are you a policeman, firefighter or first responder? Our Texas heroes loan program helps first responders, firefighters and police officers secure home loans with lower rates, zero lender fees and no closing costs.
- Save up to $500 on Closing Costs
- FHA, VA, USDA and Conventional
- Lower Interest Rates: Get a lower rate with better credit scores
Why Lone Star Financing
- Direct Lender
- Low Rates & Fast Close
- In-house underwriting
- Texas customer service
Our Loan Options
- Conventional
- VA
- FHA
- Cash Out Refinance
Police
Firefighters
First Responders
Firefighter, Police and First Responder Home Loan Program in Texas
Lone Star Financing is a preferred lender in Texas for firefighters, police officers and first responders. With our Texas Heroes Loan Program we have eligible borrowers home loans with zero lender fee and no closing costs. As a trusted Texas lender, we provide personalized service and a secure, easy-to-use portal for a seamless, hassle-free refinance experience.
Our mission statement: Our goal is to provide every client with transparent and straightforward guidance throughout their entire mortgage journey – integrity, customer service and upfront lending. It’s this simple formula that has propelled us to one of the top lenders for mortgage refinance in Texas.

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
GOOD Based on 48 reviews Posted on M. C.Trustindex verifies that the original source of the review is Google. We could not be happier with our experience working with Lone Star – Texas Mortgage Lender, Brett Dempsey, and his team. As first-time homebuyers, we were nervous about the process, but Brett and his staff guided us every step of the way with patience, friendliness, and clear communication. They moved swiftly to secure everything we needed, kept us updated at each stage, and made the entire process smooth and stress-free. The rates they secured for us were excellent, the service was absolutely top-notch, and the team’s professionalism gave us complete confidence from start to finish. On top of that, Brett and his team were genuinely friendly and approachable, which made the experience all the more enjoyable. We are grateful for their dedication and couldn’t recommend them more highly. If you’re looking for a lender that combines expertise, efficiency, and personal service, Brett Dempsey and his team at Lone Star are the perfect choice. -The Carter FamilyPosted on Kevin MartinTrustindex verifies that the original source of the review is Google. I've worked with Chris Lederer for well over a decade. He's always made the loan process seamless and goes the extra mile for his clients. His approach, service, and dedication to his clients makes you feel like you've known him your entire life. He's been able to coach myself and other people I know through the loan process and also help them with credit advice or referrals to fix credit for people that don't instantly qualify. I highly recommend working with Chris; you won't be sorry.Posted on Mandy DicktenTrustindex verifies that the original source of the review is Google. I don’t ever writes reviews, but working with James honestly made the homebuying process way easier than I expected. He explained everything clearly, stayed on top of every detail, and somehow kept things calm even when the stress hit. I never felt lost or in the dark — and that’s saying a lot. What stood out most was how real he is. No fluff, no pressure, just straight-up support from start to finish. If you’re looking for someone who actually listens and doesn’t treat you like a number, James is the one to go to. Highly recommend him to anyone serious about buying a home — especially if you want someone in your corner who actually cares.Posted on Gary LarsenTrustindex verifies that the original source of the review is Google. James has been amazing to work withPosted on Joshua HaydenTrustindex verifies that the original source of the review is Google. James I great I've been working with him for awhile yes on our side we had some downers but he was quick to act and told us to get with his credit repair lady and OMG it was fast and she is damn good got my wife's credit up and im glad to say today is the day that we are getting our numbers so we can get our new house bought. Thank you James your a rock starPosted on Josie SolisTrustindex verifies that the original source of the review is Google. I don’t usually leave reviews, but I had to this time. Long story short—Brett Dempsey was AWESOME. As a first-time homebuyer, I had a lot of questions and uncertainty, but Brett was incredibly professional, kind, and helpful throughout the entire process. His communication was excellent—always prompt, clear, and patient, which made a huge difference for me. After a terrible experience with another lender at New American Funding, Brett turned everything around. He not only got us into our home, but also saved us a lot of money. He and his team truly exceeded our expectations. We’re so thankful!Posted on TommyTrustindex verifies that the original source of the review is Google. Shawn D. and the team at Lone Star Financing are the best mortgage professionals you could ask for. Shawn was able to help us get a mortgage when no other lenders could, due to our unique circumstances. He is responsive, knowledgeable, and has the highest integrity. He didn't just help us get a house he re united my family. Thank you for all your hard work Shawn.
Texas Home Loans - Firefighters, Police and First Responders
Do you work in law enforcement, police, or a first responder? Then you qualify for our Texas Hero home loan program. We enable our Texas heroes to purchase new homes with zero lender feeds and no closing costs – saving up to $500 on closing costs. Whether you need new home financing or mortgage refinance we are here to help you maximize your benefits and get the lowest rate with the best terms. Call us today or apply online and let us help you with your home financing in Texas!