San Marcos
Mortgage Lender
Mortgage broker in San Marcos with low rates, more loan options, and local expertise you can trust
⭐ San Marcos Mortgage Broker – Low Rates & Fast Closings
Your San Marcos Lender for New 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 San Marcos borrowers.
Better Rates. More Options. Faster Closings.
The Lone Star Advantage
San Marcos, TX 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.
Start Your Pre-ApprovalClose on Time
Our goal is to close every loan within 21 days, with streamlined processing and on-time fundings.
Wholesale Pricing
Your San Marcos mortgage broker with better rates and lower fees. FHA, VA, and Conventional loan options.
Personalized Service
Local San Marcos mortgage company for outstanding customer service and a stress-free experience start to finish.
Real People. Local Expertise. Better Service.
Neal Pyles
Loan Officer
NMLS #1929617
Debbie Odell
Sr. Loan Officer
NMLS #1121045
Glen Dicken
Sr. Loan Officer
NMLS #313548
Brett Dempsey
Branch Manager
NMLS #2014728
Jen Papaelias
Sr. Loan Officer
NMLS #2692859
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 Home Loans & Refinance
Apply Online in Minutes
Get started with a simple online mortgage application and compare San Marcos home loan options with Lone Star Financing. We help Texas buyers and homeowners find competitive rates, low fees, and fast closing solutions.
SAN MARCOS MORTGAGE LENDER
CALL TODAY (855) 314-8080
- Mortgage Broker
- Close in as little as 21 Days
- No-Obligation Loan Estimate
- Texas Customer Service
Mortgage Lending 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.
Serving Homebuyers Across Texas — Wherever you call home, Lone Star Financing is here to help. We provide competitive mortgage financing and refinancing solutions for borrowers throughout Texas, including North Texas, South Texas, West Texas, and beyond.
South Texas Lending
Lone Star Financing offers FHA, USDA, VA, and Conventional loan options with personalized guidance from experienced loan consultants. As a preferred mortgage broker in San Marcos, we help homebuyers, homeowners, and veterans find the right loan program with competitive terms and a smooth process.
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.
Learn more about community services and development initiatives through the City of San Marcos.