Your San Antonio Lender for New Home Loans & Mortgage Refinancing
Buying a home in San Antonio? Lone Star Financing is a trusted local mortgage lender in Texas helping buyers secure competitive financing with confidence. Our experienced team delivers personalized guidance, strong pricing, and responsive service — whether you’re purchasing your first home or accessing equity through a cash-out refinance, we’re here to help every step of the way.
From application to closing, we streamline the process and tailor solutions to your goals. We specialize in FHA home loans, VA loans, Conventional loan, Jumbo mortgages, and Refinance Options —providing clear guidance and a personalized approach to keep home financing simple and stress-free.
- Home Loans & Refinance
- FHA, VA & Jumbo Loans
- Wholesale pricing access
- Low Rates & Low Fees
- Same Day Pre-Approvals
Explore Our San Antonio Home Loans
New Home Loans
Looking to buy a new home in San Antonio, TX? We offer a variety of home loan programs available for new purchases:
- Primary or secondary
- FHA, USDA, and VA
- Conventional Loans
- Low Rates
Conventional Loans
Our most popular loans, conventional home loans offer several advantages, including lower interest rates.
- 30, 20 and 15-Year terms
- Financing up to $832,750
- Primary, secondary home
- Up to 95% Financing
FHA Loans
FHA loans for first-time home buyers, requiring only a 3.5% down payment and gift funds allowed.
- Only 3.5% Down Payment
- Easier Credit Qualifying
- 203k Renovation Loans
- 1st Time Home Buyers
VA Loans
Approved VA lender with low rates – we are committed to helping veterans maximize their benefits.
- 100% Financing
- No Monthly PMI
- No DTI Restrictions
- Jumbo w/ Down Payment
USDA Loans
USDA loans are available for rural properties, offering 100% financing for eligible properties.
- 100% Finance Options
- Primary Residence Only
- Closing Costs Rolled In
- Low Interest Rates
Jumbo Loans
Jumbo mortgages in San Antonio are available up to $3,000,000, financed through private investor programs.
- Loans up to $3,000,000
- Primary & Second Homes
- Investor Guidelines
- Credit Score Minimums
Cash Out Refinance
Unlock the equity in your home with a Texas Cash Out– enjoy lower interest rates and flexible loan refinance options.
- Home Improvements
- Debt Consolidation
- Personal Expenses
- Higher Education
Mortgage Refinance
Lone Star Financing offers low rates and a streamlined hassle free process to refinance your mortgage in San Antonio.
- Reduce Monthly Payment
- Shorten Mortgage Term
- FHA Streamline Available
- VA IRRRL Streamline
DSCR Loans
San Antonio DSCR loans for real estate investors and income producing rentals—no tax returns, W-2s, or pay stubs required.
- $3M+ (85% LTV)
- No Income Verification
- Rental Income to Qualify
- Multifamily, Airbnb, STR
A Smarter Way to Finance Your Home
At Lone Star Financing, we believe the right mortgage starts with the right lender. Since 2007, we’ve proudly served San Antonio with integrity, transparent lending, and exceptional customer service—earning recognition as one of Texas’s top mortgage companies.
With in-depth knowledge of the San Antonio housing market, we deliver efficient approvals, transparent communication, and tailored guidance — whether you’re purchasing, refinancing, or leveraging your home equity through a Texas Cash-Out Refinance.
Close on Time
Our goal is to close every loan in 21 days or less. As a broker we offer fast approvals and closings
Low Rates & Fees
Home Loans in San Antonio with Low Rates, Low Fees and Fast Closings. FHA, VA, and USDA Approved Lender.
Customer Service
San Antonio mortgage lender with top-notch customer support. We will be with you at every step of the way.
San Antonio Mortgage Experts
Welcome to Lone Star Financing, a trusted mortgage lender serving San Antonio, TX. We offer low mortgage rates, fast closings, and a streamlined, technology-driven loan process. Our secure online platform makes it easy to apply, upload documents, and track your loan from start to finish. Whether you’re buying a new home or refinancing in San Antonio, Lone Star Financing is here to help. We’re proud to be an FHA and VA-approved lender providing personalized service and local expertise.
Buying a new home in San Antonio? We can help! As San Antonio’s leading mortgage company, we offer tailored solutions with a focus on competitive rates, outstanding service, and extensive local knowledge. Whether you’re purchasing a new home or refinancing, rely on us to guide you through the process with confidence and simplicity. We specialize in residential home loans in San Antonio, TX and approved lender for FHA loans, VA Loans, and USDA home loans. What makes us better than the other mortgage companies? Here are just a few reason why people choose Lone Star Financing:
- Low Rates
- In-House Underwriting
- Close Loans Fast
- San Antonio Customer Service
We are a direct mortgage lender in San Antonio which means we do not broker loans and offer in-house processing and underwrite using common sense. Lone Star Financing specializes in residential home loans in San Antonio, Texas, offering personalized, local service that sets us apart from national and online lenders. As a Texas-based company, we provide face-to-face customer care and VIP treatment throughout the loan process. One of the key advantages in our loan process is that all of our underwriting is handled locally within San Antonio. This ensures faster, more efficient processing and gives us the flexibility to find solutions tailored specifically to the needs of Texas homebuyers.
Better Rates. Lower Fees. Faster Closings.
Lone Star Financing is a trusted mortgage lender serving San Antonio, TX, for new home loans and mortgage refinancing. As a mortgage broker, we help secure better rates, lower fees, and a streamlined lending process—so your loan stays on track and moves forward smoothly.
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
SAN ANTONIO
MORTGAGE LENDING:
CALL TODAY (855) 314-8080
- San Antonio Lender with Low Rates
- Local underwriting
- No-Obligation Loan Estimate
- Hablamos español
Serving Homebuyers Across Central Texas
In addition to San Antonio, Lone Star Financing provides mortgage solutions throughout Central Texas. Below are nearby cities where we also offer home loan and refinancing services.
Serving Home Buyers Across Texas : In addition to these Central Texas locations, Lone Star Financing provides mortgage solutions state-wide in Texas. Below are all service area cities where we also offer home loan and refinancing services. Lone Star Financing– your local Texas mortgage company with the best rates, lowest fees, and top notch customer service.
South Texas Lending
Are you buying a new home or refinancing in San Antonio? As a local mortgage lender with in-house underwriting, we specialize in new home purchases and are proud to be an USDA, FHA, and VA approved lender in Texas. We also specialize in DSCR loans for real estate investors as well as offer a commercial lending division.
With over a decade of experience in the mortgage industry, our team of professionals brings a wealth of knowledge and efficiency to the lending process. Thanks to our expertise, we are able to close loans quickly—typically within just 20 days for most lending scenarios. Furthermore, our in-house underwriting enables us to make approvals based on practical, common-sense criteria, ensuring a smooth and stress-free experience for our clients.
Lone Star Financing is here to guide you every step of the way. In addition, we are incredibly honored to have been recognized as the best lender in San Antonio for VA home loans, a testament to our commitment to excellence and customer satisfaction.