Mortgage Lender vs Mortgage Broker
Mortgage Lender vs. Broker: What’s the Difference & Which Is
Your Texas Commercial Lending Partner- Looking for a trusted commercial lender in Texas? Lone Star Financing offers competitive rates, fast pre-approvals, and flexible loan options for investors and business owners. We finance rental properties, fix & flips, new construction, and a wide range of commercial real estate—office buildings, retail centers, warehouses, multifamily (5+ units), hotels, and more. Whether you’re purchasing, refinancing, or building, our local team can help you secure the right loan to grow your business in today’s Texas market.
Our partnership with CommLoan offers true one-stop shopping and unparalleled access to the capital markets, connecting you with hundreds of commercial lenders and thousands of loan programs—all in one place.
✅ Flexible Financing Options
💼 Expertise You Can Trust
⚡ Fast Approvals & Ultra Low Rates
We offer a wide range of commercial loan programs with flexible terms and competitive rates—financing everything from office buildings to multifamily and mixed-use properties. Backed by exceptional customer service, our team is here to guide you every step of the way.
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.
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.
Headquartered in Austin, Lone Star Financing is a trusted commercial real estate lender serving businesses across Texas. 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
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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