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 with High Credit
Why Lone Star Financing
- Direct Lender
- Low Rates & Fast Close
- Texas customer service
- Conventional
- VA
- FHA
- Cash Out Refinance
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.
Police
Firefighters
First Responders

Allen Lundberg
Sr. Loan Officer
NMLS #277507

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 58 reviews Posted on Gyzenia TuckerTrustindex verifies that the original source of the review is Google. I worked with Jen Papaelias at Lone Star Financing and I cannot rave enough about her. She went above and beyond to make sure that I was able to purchase my dream home. The few minor bumps we had, she was able to help us work to get them fixed. Lone Star Financing will be the first suggestion I give everyone when looking to purchase a home!Posted on ADRIANA CASTROTrustindex verifies that the original source of the review is Google. Extremely knowledgeable, efficient and best customer care .Posted on Brodrick ColbertTrustindex verifies that the original source of the review is Google. I've had the pleasure of working with Brett Dempsey and his team over the years and he provides a first class service with the customer always in mind.Posted on Daniel RamirezTrustindex verifies that the original source of the review is Google. Jen made our first home mortgage process easy and stress-free! She was extremely responsive, explained everything clearly, and helped us secure a great rate. Jen answered all our questions promptly and made sure we understood every detail before closing. Her professionalism and expertise were invaluable for first-time buyers. Highly recommend Chien for anyone looking for a reliable and knowledgeable loan officer!Posted on Sharon DarbyTrustindex verifies that the original source of the review is Google. Outstanding experience with LoneStar Mortgage, thanks entirely to Brett. He did a phenomenal job from start to finish. His knowledge, creativity, and experience made all the difference, especially when challenges arose. He handled everything with confidence, professionalism, and genuine care. Him and his Team were absolute pleasures to work with and truly went above and beyond. We could not have completed this process without them. Highly recommend Brett D to anyone looking for an exceptional mortgage opportunities.Posted on Bettis MorelockTrustindex verifies that the original source of the review is Google. Brett is so helpful! Quality service! Can't recommend enoughPosted on Dan AndrewsTrustindex verifies that the original source of the review is Google. I don't typically write reviews but I wanted to acknowledge the excellent service from this company, in particular Chien was knowledgeable, responsive, and a pleasure to work with!Posted on LukeTrustindex verifies that the original source of the review is Google. I highly recommend Chien at Lone Star Financing. Chien is very knowledgeable, patient and efficient. She was always available when we needed to contact her, and secured us a great rate.Posted on Chuen Leik LowTrustindex verifies that the original source of the review is Google. amazing service from Lone Star Financing! Chien was knowledgeable, responsive, and made the mortgage process effortless. always knew what was happening and felt in great hands. Highly recommend!!!
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!