Mortgage Lender vs Mortgage Broker
Mortgage Lender vs. Broker: What’s the Difference & Which Is
Looking for reliable commerial lender in Texas with competitive rates? Lone Star Financing is your local lending partner in Texas with low rates and fast pre-approvals. We connect investors with rental, fix & flip, and new construction financing, while offering a full suite of commercial real estate loan options to help businesses across Texas purchase, refinance, or build commercial properties. Whether you’re investing in an office building, shopping center, or another income-producing property, our commercial loans come with competitive rates and customizable terms to fit your unique business goals. Let us help you secure the financing you need to grow and succeed in today’s dynamic Texas market.
Commercial loans can be used to finance a wide range of income-producing properties, including office buildings, retail centers, warehouses, apartment complexes (5+ units), hotels, and mixed-use developments. They also cover new construction, fix & flip, property renovations, and specialty spaces like medical offices or assisted living facilities. Commercial real estate loans are ideal for investors, developers, and business owners looking to purchase a new or or refinancc an existing commercial real estate property in Texas.
An asset-based program with no personal income verification that allows investors to take distressed properties, renovate them and maximize equity opportunity.
*based on level of experience
**single property loans available for borrowers with no real estate investment experience
This asset-based loan program requires no personal income verification and offers both single-property and portfolio financing for investors looking to purchase and hold income-generating properties. Whether you’re buying your first rental or leveraging equity from an established portfolio, our team is here to support you every step of the way.
Our asset-based loan program requires no personal income verification and offers flexible financing for both individual properties and portfolio investments. Whether you’re acquiring your first rental or a seasoned investor looking to unlock equity from an existing portfolio, we provide the support and solutions to help you grow your investment strategy.
We connect investors and builders with ground-up construction financing, including land acquisition. This program provides access to funding for building up to five properties simultaneously. Eligible lots can be included, provided they are build-ready with infrastructure already in place.
*Interest only payments on drawn balance available.
Full Spectrum of commercial loan products available from 100k to 100 Million. Each project is unique so please call us for more details.
Nationwide, including U.S Territories.
✅ Flexible Financing Options – Tailored loan programs for purchase, refinance, and construction of commercial properties.
💼 Expertise You Can Trust – Texas-based commercial lending specialists with decades of experience.
⚡ Fast Approvals & Competitive Rates – Streamlined process designed to help you close quickly and save more.
Ready to make a smart move in
✅ Wide Range of Loan Options – Financing available for purchase, refinance, or construction of commercial properties across Texas.
🏢 Versatile Property Types – Ideal for office buildings, shopping centers, and other income-producing real estate.
💰 Competitive Rates & Custom Terms – Flexible loan structures tailored to your business goals and cash flow needs.
Brett Dempsey – Senior Commercial Loan Officer
Brett Dempsey is a seasoned commercial lending professional with a proven track record of helping clients navigate the complex world of commercial real estate financing. With extensive experience across a wide range of property types—including office buildings, retail centers, and investment properties—Brett brings a strategic, solutions-oriented approach to every deal.
Known for his exceptional service, responsiveness, and deep understanding of lending guidelines, Brett works closely with clients to structure loans that align with their goals and maximize long-term value. Whether you’re purchasing, refinancing, or constructing a commercial property, Brett is committed to delivering a seamless lending experience backed by integrity, expertise, and results.
We remain agile in today's evolving market by offering reduced rates, incentives, and promotions.
Our underwriting approach is designed to accommodate complex
income scenarios, high loan amounts, and unique properties.
Texas commercial lender with top-notch customer support. We will be with you at every step from application to closing.
Headquartered in Austin, Lone Star Financing is a trusted commercial real estate lender serving businesses across Texas. Our commercial lending team, led by seasoned experts Brett Dempsey and Eden Vick, is committed to guiding you through every step of the process. When you partner with Lone Star Financing, you gain a team known for exceptional service, competitive rates, and the peace of mind that comes with working with experienced professionals.
Lone Star Financing is a trusted commercial lender in Texas that provides a wide range of commercial real estate loan solutions designed to help businesses purchase, refinance, or construct commercial properties. Our loans feature competitive rates and flexible terms, making them ideal for acquiring office buildings, retail centers, or other income-generating properties across Texas.
💰 Competitive Fixed or Variable Rates – Financing options tailored to your business goals
📆 Flexible Terms & Repayment Schedules – Structured to fit your cash flow
⚡ Local Decision-Making – Faster approvals with personalized service
🏢 Versatile Loan Uses – Ideal for purchases, refinancing, or new construction
🤝 Expert Guidance – Work with experienced commercial lending professionals every step of the way
❓What types of properties can I finance with a commercial real estate loan?
You can finance a wide range of income-producing properties, including office buildings, retail centers, warehouses, multi-family (5+ units), industrial facilities, and mixed-use developments. Loans can also be used for ground-up construction or property renovations.
❓Our Guidelines for a Commercial Real Estate Loans
Loan terms vary, but most commercial loans offer terms ranging from 5 to 25 years with amortization schedules up to 30 years. Interest rates may be fixed or variable, and repayment structures are typically monthly. We offer flexible options to match your business needs.
Mortgage Lender vs. Broker: What’s the Difference & Which Is
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Lone Star Financing is a DBA of First Option Mortgage, LLC.
NMLS #123411
14425 Falconhead Blvd E, Suite 100
Austin, TX 78738
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