Your Texas VA Mortgage Lender

LONE STAR FINANCING

TEXAS VA LOANS

Zero Down, No PMI, Low Rates

Texas VA Home Loans: Zero Down Payment Options for Veterans and Active Duty

Welcome to Lone Star Financing – Your trusted VA partner in Texas – proudly serving Texas veterans with affordable home financing. We specialize in veteran home loans, offer low rates and in-house underwriting to close fast.

VA LOAN QUALIFICATIONS 

To qualify for an VA mortgage , you’ll need to meet the following requirements.

  • Military Service: Active duty service, or eligible National Guard or Reserve member

  • Discharge Status: Must have received an honorable discharge

  • Service Length: 90 days of wartime service or 181 days of peacetime service

  • Spousal Eligibility: Surviving spouses of veterans who died in service or from a service-related disability may also qualify
Texas VA Loan Requirements
Lone Star Financing is a trusted, approved VA lender in Texas, committed to helping veterans and active-duty service members secure affordable home financing. Whether you’re purchasing a new home or refinancing, we make the process smooth and straightforward.
VA Home Loans
Texas VA Mortgage Lender

$766,550 MAX VALUE

Zero down, No PMI 

Minimum FICO Credit Score

620

Minimum Down Payment

0%

Maximum Loan To Value

100%*

Maximum Debt To Income

41%*

Except Onse To 50%

Mortgage Insurance

No

Years Since Bankcruptcy

2

Years Since Foreclosure

2

Special Qualification Requirements

Must be U.S.
Veteran

LONE STAR FINANCING - TEXAS VA LOAN EXPERTS

TX Veterans home mortgage lender

VA Loan Benefits

  • No Down Payment: Texas VA loans allow veterans to purchase homes with zero down payment and no PMI

  • No Loan Limits with Full Entitlement: Veterans with full VA entitlement can borrow without loan limits, offering maximum flexibility

  • Lower Interest Rates: VA loans provide lower rates compared to other loans

About VA Home Loans

Lone Star Financing offers Texas VA loans for veterans, active-duty, and their families with no down payment and flexible credit. Our VA loan experts will help maximize your benefits.

Why Lone Star Financing

Close on Time

With in-house underwriting and closing, we guarantee fast approvals and aim to close all loans in 28 days or less.

Low Rates & Fees

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

Customer Service

Texas veterans home loan specialists - we will be with you every step of the way from application to closing.

Lone Star Financing - Approved Texas VA Lender

As a leading VA lender in Texas, we provide competitive rates and customized loan options to help you achieve your homeownership goals. With personalized support and a smooth, stress-free approval process, securing your VA loan has never been simpler!
VA Mortgage Approval in Texas
Jump in Front of the Line
Pre-Qualify Today

 Start mortgage pre-approval online!

Why Choose Us? It's our People!
Austin, TX Loan Officer

Shawn Dulac

Sr. Loan Officer
NMLS #1320463

Best Louisiana Mortgage Lender

James Hair

Sr. Loan Officer
NMLS #1680348

Ricardo Trejo - Lakeway, TX

Ricardo Trejo

Branch Manager
NMLS #347481

Eden Vick - TX Lender

Eden Vick

Sr. Loan Officer
NMLS #490185

Roman Balley - Lone Star Financing

Roman Balley

Production Manager
NMLS #2267211

Read Our Reviews
Rebeka L
Rebeka L
Heartland, TX
Read More
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!
Michael Underwood
Michael Underwood
Austin, TX
Read More
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!
Jordan Rodriquez
Jordan Rodriquez
Bastrop, TX
Read More
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.
Veronica M.
Veronica M.
Camey, TX
Read More
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!!!
Scott Kruse
Scott Kruse
San Marcos, TX
Read More
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...
David, Y
David, Y
San Antonio, TX
Read 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!
Lisa Elston
Lisa Elston
Austin, TX - 1 month ago
Read More
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!!
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TEXAS VA MORTGAGE RATES

CALL TODAY (855) 314-8080

Trusted Lender for Texas Vets

Lone Star Financing
Lone Star Financing
Lone Star Financing is an approved VA lender in Texas and we are proud to serve those who have served. We offer specialized mortgage solutions tailored for US veterans, active-duty service members, and their families. We understand the specifics of VA loans and are committed to helping you maximize your benefits and government assistance on your next home loan. New home purchases and VA “IRRRL” Streamline Refinance Loans, or a VA Refinance Cash Out Conversion refinance loan options available. 

VA Loans - Things to Know

Texas VA loans offer several advantages for eligible veterans, active-duty service members, and their families. One of the biggest benefits is the option for zero down payment, which significantly reduces the upfront costs of purchasing a home. Texas veteran loans provide unbeatable benefits, including zero down payment, competitive interest rates, and no private mortgage insurance, making homeownership more accessible and affordable than ever. Highlights

  • Low Rates
  • 100% Loan to $766,550
  • 2024 Loan Limits $766,550
  • Jumbo VA Loans Available over $766,550
  • TX VET Program Available
  • Easier Qualifying
  • Alternate Credit OK
  • 4% Seller Concessions
  • No Prepayment Penalties
  • Funding Fee can be Financed
  • Manufactured Housing OK (subject to restrictions)


Texas VA loans also come with competitive interest rates and no private mortgage insurance (PMI) requirement, potentially lowering overall monthly payments. Additionally, the program provides flexible credit requirements, making homeownership more accessible to those with varied credit histories.

Benefits of a VA Home Loan

VA home loans offer a range of benefits, including the ability to purchase a home with zero down payment and competitive interest rates, which can significantly reduce your upfront costs and monthly payments. With no private mortgage insurance (PMI) required, you’ll save even more over the life of the loan.

  1. No Down Payment: One of the most significant benefits is the ability to finance up to 100% and have zero down payment. We offer Zero down 100% Finance Options.
  2. No Private Mortgage Insurance (PMI): Unlike conventional loans, VA home loans do not require PMI, which can save you hundreds of dollars each month.
  3. Competitive Interest Rates: VA loans often come with lower interest rates compared to conventional loans in Texas, which can result in lower monthly payments and less money spent over the life of the loan.
  4. No Prepayment Penalties: You can pay off your VA loan early without prepayment penalties.
  5. Credit Requirements: At Lone Star Financing we can go down to 620 FICO for Texas VA loans. This is a much lower credit qualification than other loans in Texas.
  6. Assumable Loans: VA loans, much like FHA loans in Texas, are assumable, meaning that if you sell your home, the buyer can take over your existing VA loan, which could be a great selling point.


Additionally, VA loans come with flexible credit requirements, making homeownership more accessible, and feature protective measures against foreclosure. These advantages make VA home loans an exceptional choice for veterans, active-duty service members, and their families looking to secure a stable and affordable home.

What is a Texas VA Loan?

A VA home loan is a benefit provided by the U.S. Department of Veterans Affairs (VA) and are backed by the government, which means they come with many advantages for borrowers. Texas VA home loans are a mortgage option specifically designed for eligible veterans, active-duty service members, and their families in the state of Texas. With flexible credit requirements and favorable terms, Texas VA home loans are a valuable tool for those who have served or are currently serving in the military, helping them achieve homeownership with fewer financial hurdles.

  • Zero Down Payment: VA home loans typically require no down payment, reducing the initial cost of purchasing a home.
  • Competitive Interest Rates: Often lower than conventional loan rates, saving you money over the life of the loan.
  • No Private Mortgage Insurance (PMI): VA loans do not require PMI, which can lower your monthly payments.
  • Flexible Credit Requirements: Easier credit standards compared to conventional loans, making homeownership more accessible.
  • No Prepayment Penalties: You can pay off your loan early without incurring additional fees.
  • Assumable Loans: VA loans can be transferred to a new buyer if you sell your home, potentially making your property more attractive to buyers.
  • Foreclosure Protection: The VA offers support and resources to help borrowers avoid foreclosure.
  • Funding Fee: While VA loans don’t require PMI, a funding fee is often charged, but it can be financed into the loan amount.


Call or Apply Online Today to see why Lone Star Financing is one of the best VA Lenders in Texas.