Lone Star Financing
- Your Local San Marcos Lender
Buying a new home in San Marcos? Lone Star Financing is your trusted local Texas lender, providing competitive rates and exceptional service with in-house underwriting for fast approvals and on time closings.
- FHA, VA, & USDA Loans
- Direct Mortgage Lender
- In-House Underwriting
- Low Rates & Low Fees
- Free Good Faith Estimate
- Local Customer Service!
Your Trusted Mortgage Company in San Marcos, TX
At Lone Star Financing, we believe that finding the right mortgage begins with choosing the right lender. Since 2007, we’ve proudly served the San Marcos community with honesty, outstanding customer service, and transparent lending practices. We are an approved FHA and VA lender in San Marcos and here to provide the expertise and support you need for a smooth and hassle-free mortgage experience. Jump in front of the line and apply online or call today!
Lone Star Financing is a trusted mortgage lender serving San Marcos, TX, and surrounding areas. As a direct lender, we offer a full range of home loan products with competitive rates, low fees, and quick closings. Thanks to our in-house underwriting and local processing, we make faster decisions than traditional brokers. Our goal is to close all loans in 28 days or less. Learn more About Us As a locally-owned Texas mortgage company, we take a “common sense” approach to underwriting, offering flexibility and personalized service. Our mission is to provide integrity, excellent customer service, and transparent lending practices—an approach that has made us a leading mortgage company in San Marcos, TX. We’re also an approved FHA, VA, and USDA lender, allowing us to meet the diverse needs of Texas homebuyers. Contact us today or apply online—we look forward to earning your business!Our Texas Home Loans
San Marcos Home Loans
Looking to buy a new home in San Marcos? We offer a variety of home loan programs specifically designed for new homebuyers:
- Primary, secondary, investment
- FHA, USDA, and VA Loans
- Conventional Loans
- Low Rates & Variable Term
Conventional Loans
Conventional home loans are our most popular loan types and a great option for borrowers with good to great credit.
- 30, 20 and 15-Year terms
- Financing up to $806,500
- Primary home, secondary, investment
- Up to 95% Financing
San Marcos FHA Loans
For first-time home buyers in San Marcos, FHA loans offer a down payment as low as 3.5% and allow the use of gift funds.
- Only 3.5% Down Payment
- Easier Credit Qualifying
- 203k Renovation Loans
- 1st Time Home Buyer
San Marcos VA Loans
We are an approved VA lender in San Marcos with low rates and we are here to help our Texas Vets maximize their benefits.
- Zero down, 100% Financing
- No Monthly PMI
- No Debt to Income Restrictions
- VA Jumbo Loans with Down Payment
Cash Out Refinance
Tap into your home’s equity with a Texas Cash-Out Refinance in San Marcos – lower rates and flexible refinancing options.
- Home Improvements
- Debt Consolidation
- Personal Expenses
- Higher Education
Mortgage Refinance
Lone Star Financing provides low rates and a streamlined, hassle-free process to help you refinance your mortgage in San Marcos.
- Reduce Monthly Payment
- Shorten Mortgage Term
- FHA Streamline Available
- VA IRRRL Streamline
San Marcos, TX Mortgage Experts
Your trusted San Marcos mortgage team delivering competitive rates, on-time closings, and unmatched service, every step of the way.
Close on Time
We aim to close every loan within 28 days. In-house underwriting, processing, and on-time funding.
Low Rates
Your local San Marcos Lender with Low Rates and Low Fees. We are an approved FHA, VA, and USDA lender in Texas.
Service
Local San Marcos mortgage company for outstanding customer service and a stress-free experience start to finish.
Jump in Front of the Line
Get Pre-Qualified Today!
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
SAN MARCOS MORTGAGE RATES
CALL TODAY (855) 314-8080
- Local San Marcos, TX Lender
- Close in as little as 28 Days
- Local underwriting and closing
- No-Obligation Loan Estimate
- Texas Customer Service
Lone Star Financing is a premier mortgage lender offering FHA, USDA, VA, and conventional mortgages. Our friendly consultants will educate you on various loan programs and help you find the best financing options. If you’re a U.S. military veteran, you may qualify for a VA home loan with many advantages. We also specialize in USDA loans and mortgage refinancing—turn your home equity into cash or lower your interest rate. With local Texas underwriting, we ensure fast approvals and closings. Contact us today or fill out our quick online application; our mortgage experts are ready to guide you through the home loan process.
- San Marcos Lender with Low Rates
- Local underwriting for fast approval
- No-Obligation Good Faith Estimate
- Local Texas customer service
Lone Star Financing – Your San Marcos, Texas new home purchase and refinance specialist with low rates and low fees. Whether you need home financing in Austin, San Antonio, Houston or San Marcos we have you covered.
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
San Marcos, TX Real Estate – The central Texas housing market continues to stay hot even amidst the rising mortgage rates. As of March, 2025 there were 412 homes for sale in the San Marcos area with a median home value of $387,763. Search all homes for sale in San Marcos, TX. San Marcos is located in central Texas between Austin and San Antonio. Popular neighborhoods in San Marcos include central, downtown, Willow Creek Estates, Heritage, Sessom Creek and Blanco Gardens.