Conventional
Home Loans
Low rates on 30, 20 and 15-year fixed conventional mortgages in Texas—low rates and flexible terms
Conventional Loans in Texas with Low Rates & Fast Closings
Welcome to Lone Star Financing, your trusted Texas mortgage broker for fixed rate mortgages. Conventional loans offer competitive rates for borrowers with good to excellent credit. For 2026, the conforming loan limit across all Texas counties is $832,750.
Conventional Loan Highlights:
- Loan Limits Up to $832,750 statewide
- Low Rates for Strong Credit borrowers
- Flexible Terms & No PMI with 20% down
Lone Star Financing is a trusted and local mortgage broker for conventional home loans in Texas. Choose from a variety of fixed-rate and adjustable-rate mortgages (ARMs) to suit your financial goals.
$832,750 MAX VALUE
Low payments that never change
Minimum FICO Credit Score
620
Minimum Down Payment
3% - 5%
Maximum Loan To Value
97%*
Maximum Debt To Income
50%*
Mortgage Insurance
Yes (80% LTV or higher)
Years Since Bankcruptcy
4
Years Since Foreclosure
7
Years Since Short Sale
4
Conventional Financing Made Simple
Lone Star Financing helps Texas homebuyers secure competitive mortgage rates, flexible loan options, and a smoother closing experience with expert local guidance every step of the way.
Whether you are buying your first home, upgrading to a larger property, or comparing mortgage programs, our Texas-based team helps you move forward with clarity and confidence.
Conventional Loans with Better Rates & Options
As an independent mortgage broker, Lone Star Financing shops your conventional loan across multiple wholesale lenders to secure competitive rates and flexible terms tailored to your goals.
From application to closing, our Texas mortgage specialists provide clear guidance, reliable communication, and on-time closings you can trust.
Close on Time
We aim to close every loan in 21 days or less with streamlined processing
Low Rates
30, 20 and 15-year Fixed Rate Conventional Mortgages with Low Rates, Low Fees and Fast Closings.
Service
Conventional loans in Texas with expert support from start to finish. See why our customers trust us!
Better Rates. More Options. Faster Closings.
Today’s Rates
Explore today’s purchase and refinance rates with personalized loan options
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UNDERSTANDING DSCR LOANS
Common Questions, Answered
Texas conventional loans offer flexible financing options for homebuyers and homeowners looking to purchase or refinance with competitive rates and terms.
- Fannie Mae and Freddie Mac conventional loan programs
- Available for primary homes, second homes, and investment properties
- Eligible for single-family homes, condos, multi-family properties, and some manufactured homes
- Loan amounts up to $832,750 for 2026
- Down payment options as low as 3% for qualified buyers
- Flexible mortgage insurance options with competitive pricing
Conventional loans are a popular mortgage option for borrowers seeking flexible financing, competitive rates, and a straightforward path to homeownership.
Conventional loans are a popular option for Texas homebuyers because they offer flexible financing, competitive interest rates, and a wide range of property eligibility. These loans can be used for primary homes, second homes, investment properties, purchases, and refinances.
Some advantages of conventional loans include:
- Competitive interest rates and flexible loan terms
- Down payment options as low as 3% for qualified buyers
- Ability to remove PMI once enough equity is built
- Faster closings and straightforward financing options
- Eligible for a variety of property types
For borrowers with solid credit and stable income, conventional loans can provide long-term flexibility and lower overall borrowing costs.
Fixed-Rate Loans: Fixed-rate conventional loans keep the same interest rate for the life of the loan, providing stable monthly payments and predictable long-term financing. These loans are popular for buyers who plan to stay in their home for many years and want payment consistency.
Adjustable-Rate Loans (ARMs): Adjustable-rate mortgages start with a lower fixed interest rate for an introductory period before adjusting over time based on market conditions. ARMs can be a good option for Texas homebuyers who plan to sell or refinance within a few years and want lower initial monthly payments.
Conventional loans offer flexible financing options with competitive rates for Texas homebuyers and homeowners. Down payment options can be as low as 3% for qualified borrowers, and loans are available with fixed or adjustable interest rates and terms ranging from 15 to 30 years.
If your down payment is less than 20%, private mortgage insurance (PMI) is typically required, though it can often be removed once enough equity is built. Conventional loans also follow conforming loan limits, with higher loan amounts considered jumbo financing.
Lone Star Financing helps Texas borrowers compare conventional loan options with personalized guidance, competitive rates, and fast closings.
Trusted by Texas Homebuyers
Real feedback from Lone Star Financing clients across Texas.
Daniel Ramirez
★★★★★
Jen made our first home mortgage process easy and stress-free. She was extremely responsive, explained everything clearly, and helped us secure a great rate. Jen answered all our questions promptly and made sure we understood every detail before closing.
Kevin Koch
★★★★★
Working with Lone Star Financing was an outstanding experience from start to finish. Brett and his team were incredibly professional, knowledgeable, and responsive every step of the way. They made what could have been a complicated process feel smooth and stress-free.
Gyzenia Tucker
★★★★★
I worked with Jen Papaelias at Lone Star Financing and I cannot rave enough about her. She went above and beyond to make sure that I was able to purchase my dream home. Lone Star Financing will be the first suggestion I give everyone when looking to purchase a home.
