Your San Antonio Lender for New Home Loans & Mortgage Refinancing
Buying a new home in San Antonio, TX? Lone Star Financing is a trusted local mortgage company committed to helping San Antonio homebuyers secure the right loan with clarity and confidence. Our experienced team provides personalized guidance, competitive interest rates, and responsive service, all backed by a strong understanding of the local market.
From your initial application through closing day, we focus on making the home financing process smooth, efficient, and tailored to your unique goals. With clear communication and hands-on support at every step, Lone Star Financing delivers a dependable, stress-free mortgage experience you can rely on.
- Home Loans & Refinance
- FHA, VA & Jumbo Loans
- Wholesale pricing access
- Low Rates & Low Fees
- Same Day Pre-Approvals
- Texas Customer Service!
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. We offer a full range of loan options, including FHA, VA, and USDA loans, to support a smooth home purchase or refinance. Apply online or call today—we look forward to earning your business.
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 competitive 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, with more than 20 years of experience closing home loans across Texas. 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
Our 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 right here in Texas and can close loans anywhere in the state. Lone Star Financing– your local Texas mortgage company with the best rates, lowest fees, and top notch customer service.
South Texas Lending
Central 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.