San Marcos Lender for New Home Loans & Mortgage Refinance
Buying a new home in San Marcos? Lone Star Financing is your trusted local Texas mortgage lender, helping homebuyers secure the right loan with competitive rates and clear guidance every step of the way. Our experienced team takes the time to understand your goals and match you with the best financing options for your situation.
With in-house underwriting, fast approvals, and a commitment to on-time closings, we make the mortgage process smooth, efficient, and stress-free. From pre-approval to closing day, Lone Star Financing delivers exceptional service, reliable results, and the confidence you need to move forward with your home purchase.
- FHA, VA, & USDA Loans
- Mortgage Broker
- Wholesale pricing access
- Low Rates & Low Fees
- Free Good Faith Estimate
- Local Customer Service!
Our Texas Home Loans
New 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 and secondary
- FHA, USDA, and VA
- 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 $832,750
- Primary & secondary
- 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
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 DTI Restrictions
- Jumbo 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.
- Reduce Monthly Payment
- Shorten Mortgage Term
- FHA Streamline Available
- VA IRRRL Streamline
San Marcos, TX Mortgage Experts
Your trusted San Marcos mortgage team, we’re dedicated to providing competitive rates, clear communication, and dependable guidance throughout the loan process. With a strong understanding of the local San Marcos real estate market, we help borrowers move forward with confidence.
Whether you’re purchasing a new home, 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 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.
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.
Lone Star Financing is a trusted mortgage lender 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. As an approved FHA, VA, and USDA lender, we’re equipped to meet the diverse needs of Texas homebuyers. Contact us today or apply online—we look forward to earning your business.
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 MARCOS MORTGAGE LENDING
CALL TODAY (855) 314-8080
- Local San Marcos, TX Lender
- Close in as little as 21 Days
- No-Obligation Loan Estimate
- Texas Customer Service
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 underwriting, 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.
- 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, 2026 there were 387 homes for sale in the San Marcos area with a median home value of $377,753. 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.