Richardson Mortgage Lender

LONE STAR FINANCING

Richardson, TX
HOME LOANS

Direct Lender - Low Rates & Fast Close

Lone Star Financing - Your Richardson Mortgage Lender

Your trusted mortgage lender in Richardson for new home loans and mortgage refinancing. With competitive rates, outstanding customer service, and in-house underwriting, we guarantee a fast and hassle-free loan process.

Texas Mortgage Company – Richardson, TX

Welcome to Lone Star Financing, your reliable mortgage lender in Richardson, TX. As a direct lender, we provide competitive rates and quick closings, ensuring a smooth and stress-free home loan process. Our state-of-the-art, technology-driven platform streamlines the entire experience, making it easy for you to complete your application, connect bank accounts, upload documents, and obtain full loan approval quickly and securely. Since 2007, we have built a trusted reputation in Richardson for our integrity, exceptional customer service, and transparency—qualities that continue to distinguish us as a preferred home lender.

More About Us

Whether you’re buying a new home in Richardson or looking to refinance your existing mortgage, Lone Star Financing is here to help at every stage of the process. From Texas FHA loans and VA home loans to USDA rural home loans, we offer a range of solutions tailored to your unique situation. Our experienced team will guide you through each step, ensuring you secure the best mortgage option to achieve your financial goals.

Why Choose Lone Star Financing?

Direct Mortgage Lender
Local Underwriting and Fast Approvals
No-Obligation Good Faith Estimate
Trusted Richardson, TX Lender

What truly sets Lone Star Financing apart is our dedication to competitive rates, personalized service, and a wide variety of mortgage products with fast, hassle-free pre-approvals. As a Texas-based mortgage lender, we prioritize building lasting relationships with our clients in Richardson. Call us today or apply online—we look forward to earning your trust and your business!

Richardson Home Loans

New Home Loans

We specialize in new home loans in Richardson and offer a range of loan programs designed to meet your specific needs:

Primary home, secondary, investment
FHA, USDA, and VA Loans
Conventional Loans
Low Rates & Variable Terms

Conventional Loans

Conventional loans offer lower interest rates and reduced mortgage insurance; down payment as low as 5%.

30, 20 and 15-Year terms
Ultra low rates with great credit
Primary home, secondary, investment
Up to 95% Financing

Richardson FHA Loans

FHA home loans are an excellent option for first-time homebuyers in Richardson, easier qualifying and only 3.5% down:

Only 3.5% Down Payment
Easier Credit Qualifying
203k Renovation Loans
1st Time Home Buyers

Richardson VA Loans

Veteran home loans in Richardson, TX, providing expert VA home loan services tailored to veterans’ unique needs:

Zero down, 100% Financing
No Monthly PMI
No Debt to Income Restrictions
VA Jumbo Loans with Down Payment

Cash Out Refinance

Unlock your home’s equity with a Texas Cash-Out Refinance, providing lower rates and flexible loan options:

Home Improvements
Debt Consolidation
Personal Expenses
Higher Education

Mortgage Refinance

Streamlined mortgage refinancing in Richardson, TX. Take advantage of lower rates—refinance today!

Reduce Monthly Payment
Shorten Mortgage Term
FHA Streamline Available
VA IRRRL Streamline

Your Local Richardson TX Lender

Fast Close

In-house underwriting, processing, and closing for fast approvals - our goal is to close in 28 days or less.

Low Rates

Richardson Mortgage Lender offering low rates, minimal fees, and fast closings. FHA, VA, and USDA approved lender.

Service

We put our clients first, providing exceptional service and ensuring a seamless, stress-free experience.

Jump in Front of the Line
Get Pre Approved Today!

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!

Your Richardson, TX Mortgage Company

Richardson Mortgage Lender
Close in 28 Days or Less
Local underwriting and processing
No-Obligation Loan Estimate
Local Texas Customer Service

Why Choose Us? At Lone Star Financing, we work with local mortgage underwriters to get you approved quickly. Our experts can help you choose the best loan option for your needs, whether you’re a first-time homebuyer in Richardson, TX, looking for an FHA loan with low interest rates and minimal down payment, or if you’re interested in USDA loans. If you or your spouse are veterans, we can assist in determining your eligibility for a VA loan. For current homeowners in Richardson, we also offer mortgage refinancing to lower your monthly payments or interest rate. As the top choice for mortgage lenders among Richardson Realtors, we are your trusted partner for all home loan needs. Call Lone Star Financing or apply online today—you may even receive same-day approval!

· Richardson, TX Home Mortgage Loans
· FHA Home Loans in Richardson, TX
· VA Home Loans – Richardson, TX
· Richardson, TX USDA Loans

Call Lone Star Financing, your #1 Richardson lender for new home loans and mortgage refinance.

Our Texas Locations

Service Locations : Looking to buy a new home in Texas? No matter where you live, our Texas home loan experts are here to help. We are a direct mortgage lender and can close loans anywhere within the great state of Texas. Your local Texas mortgage lender with low rates, low fees, and top notch customer service.

North Texas Lending

Grand Prairie Home Loan

Wichita Falls Home Loan

South Texas Lending

Beaumont Home Loan

Brownsville Home Loan

Corpus Christi Home Loan

Central Texas Lending

San Antonio Home Loans

San Marcos Home Loans

West Texas Lending

2024 Richardson, TX Real Estate Snapshot

Richardson, TX is northeast of Dallas and is located in both Collin and Dallas counties. As of October, 2024 there are currently 193 resale and new homes in Richardson, including 24 open houses, as well as 62 homes in the pre-foreclosure, auction, or bank-owned stages of the foreclosure process. The average listing price for homes for sale in Richardson TX was $354,650 for the month of October, 2024. Looking for new homes in Richardson, TX – Check out all homes for sale in Richardson, TX.

Richardson, TX
HOME LOANS