⭐ Top-Rated Mortgage Broker for San Marcos Homebuyers
Your San Marcos Mortgage Broker for Home Loans & Refinancing
Buying a home in San Marcos? Lone Star Financing is a trusted Texas mortgage broker helping you secure the right loan with competitive rates and clear, straightforward guidance.
We offer FHA, VA, Conventional, Jumbo loans, and refinancing—delivering personalized solutions to keep your home financing simple and stress-free.
- FHA, VA & USDA Loans
- Wholesale Pricing
- More Loan Options
- Fast Approvals
- Low Rates & Low Fees
- Local Customer Service!
We specialize in new purchases with flexible mortgage options, competitive rates, and a streamlined home buying process.
- Primary & Secondary Homes
- FHA, VA & USDA Options
- Low Down Payment Programs
- Competitive Rates & Terms
Conventional loan options with flexible terms, lower mortgage insurance, and attractive rates for qualified homebuyers.
- 30, 20 & 15-Year Fixed Terms
- Financing Up to $832,750
- Primary & Secondary Homes
- Up to 95% Financing Available
FHA loans offer flexible guidelines, low down payment options, and an affordable path to homeownership for first-time buyers.
- Low 3.5% Down Payment
- Flexible Credit Guidelines
- 203(k) Renovation Financing
- Ideal for First-Time Buyers
Texas VA loans provide eligible veterans and active-duty service members with flexible financing and powerful benefits.
- Zero Down Payment Options
- No Private Mortgage Insurance
- Flexible Credit Guidelines
- Exclusive Benefits for Veterans
Refinancing can help lower your monthly payment, lower your rate, or improve your loan terms with more flexible options.
- Lower Monthly Payments
- Shorten Your Mortgage Term
- FHA Streamline Refinancing
- VA IRRRL Refinance Options
DSCR loans for real estate investors with flexible qualifying based on rental income instead of personal income documentation.
- Financing Up to $3 Million+
- No Tax Returns or W-2s
- Qualify Using Rental Income
- Multifamily, Airbnb & STR Eligible
More Loan Options
USDA Loans
Zero-down financing options for eligible rural and suburban homebuyers.
Jumbo Loans
Flexible financing for higher-value homes with competitive mortgage options.
Cash-Out
Access your home equity for improvements, debt consolidation, or major expenses.
Commercial
Business and investment property financing solutions for Austin borrowers.
San Marcos, Texas Mortgage Experts
Your trusted San Marcos mortgage broker, we’re dedicated to providing competitive rates, clear communication, and dependable guidance throughout the loan process.
Whether you’re purchasing a new home, or refinancing to improve your terms, or exploring investment opportunities, our team is committed to on-time closings and unmatched service at every step. We’re here to make the mortgage experience simple, transparent, and tailored to your goals.
Close on Time
We aim to close every loan within 21 days. Streamlined processing and on-time funding.
Low Rates
Your San Marcos mortgage broker with Low Rates and Low Fees. FHA, VA, and Conventional loan options.
Service
Local San Marcos mortgage company for outstanding customer service and a stress-free experience start to finish.
A Better Way to Finance Your Home
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.
Lone Star Financing is a trusted mortgage broker serving San Marcos, TX, and the surrounding areas. We offer a full range of home loan options with competitive rates, low fees, and efficient closings—supported by in-house underwriting and local processing that allow for faster, more informed decisions. Our streamlined approach helps keep loans on track, with a strong focus on timely approvals and smooth closings.
As a locally owned Texas mortgage company, we take a practical, common-sense approach to underwriting, combining flexibility with personalized service. Our mission is to deliver integrity, transparent lending practices, and exceptional customer care—values that have made us a leading mortgage company in San Marcos. FHA, VA, and Conventional home loans, we’re equipped to meet the diverse needs of Texas homebuyers. Contact us today or apply online—we look forward to earning your business.
Better Rates. Lower Fees. Faster Closings.
Lone Star Financing is a trusted Texas mortgage broker serving San Marcos, 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.
Trusted by San Marcos Homebuyers
Real feedback from Lone Star Financing clients across Texas.
4.6 out of 5
★★★★★
Based on 54 Google reviews
Joshua Hayden
Great experience working with Lone Star Financing. The team was knowledgeable, responsive, and made the entire process smooth from start to finish. Highly recommend for anyone looking for a reliable mortgage broker.
Julianne Fogle
Fantastic experience from start to finish. The process was smooth, communication was clear, and the team made everything easy to understand. I would absolutely recommend Lone Star Financing to anyone buying a home.
Adriana Castro
Highly recommend Lone Star Financing. They were professional, helpful, and made the home loan process simple and stress-free. The team stayed responsive and guided us clearly every step of the way.
SAN MARCOS MORTGAGE LENDING
CALL TODAY (855) 314-8080
- Mortgage Broker
- Close in as little as 21 Days
- No-Obligation Loan Estimate
- Texas Customer Service
Serving Homebuyers Across Central Texas
In addition to San Marcos, Lone Star Financing provides mortgage solutions throughout Central Texas. Below are nearby cities where we also offer home loan and refinancing services.
Lone Star Financing offers FHA, USDA, VA, and Conventional mortgage options with personalized guidance from experienced loan consultants. We help homebuyers, homeowners, and veterans find the right loan program with competitive terms and a smooth process.
With local Texas processing, we deliver fast approvals and on-time closings. Whether you’re purchasing, refinancing, or accessing home equity, our mortgage experts are ready to help—contact us today or apply online to get started.
- Mortgage Broker with Low Rates
- Local processing for fast approval
- No-Obligation Good Faith Estimate
- Local Texas customer service
San Marcos, TX Real Estate – The central Texas housing market continues to stay hot even amidst the rising mortgage rates. As of April, 2026 there were 377 homes for sale in the San Marcos area with a median home value of $374,753. 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.
