Texas Trusted Mortgage Lender

LONE STAR FINANCING

NEW PURCHASE
HOME LOANS

Texas FHA, VA & Conventional Loans

We Specialize in New Home Loans

Lone Star Financing is a local Texas mortgage company for FHA, VA, USDA, and Conventional loans. What makes us different is that as a direct lender we manage the entire process from application to funding. Our in-house underwriting enables quick, common sense approvals.

New Purchase Loan Options

CONVENTIONAL LOANS

Conventional loans offer favorable terms, including lower mortgage insurance and lower interest rates.

Low fixed rates
As little as 5% down
30, 20 and 15 Year Terms
Max value of $766,500

TEXAS FHA LOANS

FHA loans are ideal for first-time homebuyers and moderate income families, and require only 3.5% down.

Only 3.5% down payment
Flexible Underwriting Guidelines
Higher Debt to Income OK
Lower FICO Down to 580

TEXAS VA HOME LOANS

VA loans offer numerous benefits, including no down payment and no private mortgage insurance (PMI).

0% down payment
Simple Qualifying
Higher Debt to Income OK
Lower FICO Down to 580

USDA LOANS

USDA loans for rural properties in Dallas come with a variety of benefits. These loans offer 100% financing for qualified buyers:

Rural Properties -100% Financing
Primary Residence Only
Closing Costs Can Be Rolled In
Low Interest Rates

JUMBO LOANS

Jumbo Mortgages in Texas up to $3,000,000, financed through private investor programs and flexible guidelines.

Loans up to $3,000,000
Primary & Secondary Homes
Investor Specific Guidelines
Credit Score Minimums

Texas Home Loans, Done Right!

Close on Time

Our goal: close every loan in 30 days or less. With in-house underwriting, processing, and closing, we ensure fast approvals and on-time funding.

Low Rates & Fees

Texas Mortgage Lender with Low Rates, Low Fees and Fast Closings. FHA, VA, and USDA Approved Lender.

Customer Service

Texas home loans offering exceptional customer support. We're with you every step, from application to closing. See what our satisfied clients have to say!

Jump in Front of the Line
Pre-Qualify Today

Start your pre-approval online!

Why Choose Us? It's our People!

Read Our Google Reviews

Brenda was quick to respond to questions I had and made herself available to me. She was very patient and understanding when having to resolve issues regarding my ex. The entire team, in fact, was great and a true godsend!

As a realtor here in Austin, TX, I’ve been working with Lone Star Financing for almost a decade. The loan officers at Lone Star financing are without a doubt the best communicators in the business. They provide timely updates to me and my buyers from the start of the loan to close of sale and I can't tell you how important that is during a real estate transaction. I recommend all of my clients use Lone Star financing because unlike a lot of mortgage companies they can close loans on time. During one of the most critical times of my customers lives, it's imperative that all links of the chain are strong. Having the right lender in place is key. Thanks Lone Star!

I was thoroughly impressed with the customer service from start to finish. I had a lot of questions and they were all answered. I recommend lone star to first time home buyers as well as those who have note done it before.

Making me feel comfortable through the entire process as I was a bit nervous but Keith’s ways with his words and staying professional never made me feel overwhelmed, as well as the staff members that also helped me. The whole process was a smooth ride with no bumps and that was a great feeling making this single mother very happy with the outcome!!! Thanks!!!

I have gone through the home financing five times, and this is my second re-finance. The team at Lone Star Financing was the best experience I've ever had going through the mortgage process. The previous finance company I used to purchase my home was the worst experience I'd ever had in getting a mortgage. I was extremely hesitant to go through the re-finance process, but with the interest rates being so low I knew I would be saving a lot of money. I did the research to find a highly reviewed local financing company, and Lone Star Financing was the best. They did an outstanding job helping me through the process, made it incredibly easy and quick. More...

Thanks for helping us through the loan refinance process. P.S. The only reason we can't refer family and friends is we don't live in Texas or have any contacts there!

Lone Star Financing was the best-from the first phone call and I can honestly say there will be no last phone call-when he asked for docs I delivered and when I asked for something (answers) he delivered-very happy with the process he took my husband and I through and we are now blessed to own our dream home -I’ve already referred him To our son and he will be ready to purchase probably in the next six months and told him that Jimmy Smith is the man!!

CALL (855) 314-8080

Still have questions about which Texas mortgage is right for you? Visit with one of our Texas mortgage loan experts for free consult.

Review your scenario
Provide best loan options
Review available rates and fees
Calculate your exact borrowings & repayments
Explain all fees, charges, and the general process
Show you ways to save money
Provide a no cost loan estimate
Learn more about the Home Loan Process

Not sure which mortgage loan type is right for you? Call or apply online to connect with one of our experienced loan officers. We’ll guide you through all your options, including loan types and rates, and help tailor a mortgage that meets your specific needs. As a direct Texas mortgage lender, we offer low rates and fast approvals with in-house underwriting. Our streamlined process allows us to close loans in 28 days or less, ensuring a quick and stress-free experience from start to finish. Whether you are a first time buyer in need of a FHA loan or a Texas Vet in need of a VA loan, we’ve got you covered. Let our team of professional mortgage experts help find the perfect loan!

NEW PURCHASE
HOME LOANS

We Specialize in New Home Loans