⭐ Top-Rated Mortgage Broker for Waco, TX Homebuyers
Your Waco Mortgage Broker for New Home Loans & Refinancing
Whether you’re buying a new home in Waco or refinancing your current mortgage, Lone Star Financing has you covered! We offer competitive rates, top notch customer service, and streamlined processing to close loans fast.
As a mortgage broker with access to 20+ lenders, we deliver better options, competitive pricing, and fast, reliable closings. We offer competitive rates on FHA home loans, VA financing, Conventional mortgages, DSCR loans, and mortgage refinance options—backed by clear guidance and a personalized approach that keeps the process simple and stress-free.
- Low Rates & Low Fees
- VA, FHA & USDA Loans
- Fast Approvals
- Free Good Faith Estimate
- Local Customer Service
Explore Our Waco Home Loans
New Home Loans
Buying a new home? We specialize in new purchases and offer a wide range of home loan programs:
- Primary or secondary
- FHA, USDA, and VA
- Low Rates
- Renovation programs
Conventional Loans
Conventional home loans offer lower rates and lower mortgage insurance, only 5% down and flexible terms:
- 30, 20 and 15-Year terms
- Finance up to $832,750
- Primary or secondary
- Up to 95% Financing
Waco FHA Loans
FHA home loans are perfect for first time home buyers in Waco, but you don’t have to be a first time buyer to qualify:
- Only 3.5% Down
- Easier Credit Qualifying
- 203k Renovation Loans
- 1st Time Home Buyers
Waco VA Loans
We are an approved VA lender for veteran home loans in Waco, TX. Credit scores down to 580.
- Zero down
- No Monthly PMI
- No DTI Restrictions
- VA Jumbo Options
USDA Home Loans
USDA loans for rural properties come with a variety of benefits- 100% financing for qualified buyers.
- 100% Financing
- Primary Residence Only
- Closing Costs Rolled In
- Low Interest Rates
Mortgage Refinance
We offer streamlined refinancing. Take advantage of today’s low rates—refinance now and save!
- Reduce Monthly Payment
- Shorten Mortgage Term
- FHA Streamline Available
- VA IRRRL Streamline
Trusted Waco, TX Mortgage Broker
Welcome to Lone Star Financing – your local Texas mortgage company in Waco, TX. As a licensed mortgage broker, we offer competitive rates, fast closings, and a smooth, hassle-free process. Our secure platform lets you apply, link accounts, upload documents, and get approved with ease. Since 2007, we’ve built our reputation on integrity, transparency, and exceptional service.
Buying a home in Waco or looking to refinance your mortgage? Lone Star Financing is a trusted mortgage broker serving Waco, TX, specializing in home purchase loans and refinance solutions. We offer a wide range of loan programs, including Texas FHA loans, VA home loans, and USDA rural home loans for qualified borrowers in Waco.
With a modern, client-focused approach, we combine technology, efficiency, and personalized service to make the mortgage process simple and stress-free. Here are a few reasons borrowers choose Lone Star Financing:
- Local mortgage broker with competitive rates and low fees
- Streamlined process designed for fast approvals and closings
- No-obligation loan estimate and personalized mortgage guidance
- Responsive, local customer service for Waco homebuyers and homeowners
What sets Lone Star Financing apart is our commitment to competitive pricing, clear communication, and a smooth borrowing experience from start to finish. We offer a wide range of mortgage products, quick pre-approvals, and the personalized service you expect from a trusted Texas mortgage broker. Since 2007, we have built our reputation on integrity, transparency, and exceptional customer care.
Whether you need home financing in Dallas, Houston, Austin, San Antonio, or Waco, Lone Star Financing is here to help. Call us today at (855) 314-8080.
Your Texas Mortgage Lending Experts
Lone Star Financing is your trusted Waco mortgage team, delivering competitive rates, on-time closings, and personalized guidance from start to finish. Whether you are purchasing or needing a cash-out refinance, we’ve got you covered!
Why Choose Lone Star Financing
With access to multiple lenders and in-house expertise, we offer better loan options and faster decisions than traditional banks. Whether you’re buying a new home or refinancing in Waco, our experienced team is committed to reliable service and results you can count on.
Close on Time
Our goal is to close every loan in 21 days or less, with a streamlined process that ensures quick approvals and timely funding.
Low Rates & Fees
Waco Mortgage Broker with Low Rates, Low Fees and Fast Closings. FHA, VA, and USDA loan options.
Customer Service
Waco’s trusted mortgage company for exceptional customer service – we prioritize client needs, delivering a smooth, stress-free experience from start to finish.
Glen Dicken
Sr. Loan Officer
NMLS #313548
Chris Lederer
Production Manager
NMLS #2004549
Jen Papaelias
Sr. Loan Officer
NMLS #2692859
Brett Dempsey
Branch Manager
NMLS #2014728
Allen Lundberg
Sr. Loan Officer
NMLS #277507
Your Waco, TX Mortgage Company
CALL TODAY (855) 314-8080
Buying or refinancing in Waco, TX? Lone Star Financing offers FHA, VA, USDA, Jumbo, and DSCR loans with fast approvals, local Texas processing, and personalized mortgage solutions you can trust.
Serving Homebuyers Across Central Texas
In addition to Waco, TX, Lone Star Financing provides mortgage solutions throughout Central Texas. Below are nearby cities where we also offer home loan and refinancing services.
Serving Home Buyers Across Texas : In addition to these Central Texas locations, Lone Star Financing provides mortgage solutions state-wide in Texas. Below are all service area cities where we also offer home loan and refinancing services. Lone Star Financing– your local Texas mortgage company with the best rates, lowest fees, and top notch customer service.
South Texas Lending
Waco, TX Real Estate Snapshot – 2026
As of 2026, the Waco, TX real estate market remains active and diverse, offering a wide range of housing options for buyers and investors. With roughly 650 homes currently available and an average listing price around $253,000, Waco continues to present attractive opportunities across multiple price points. These properties vary in size, style, and location, catering to different budgets and preferences. View all homes for sale in Waco, TX.
With competitive pricing, steady demand, and a resilient housing market, Waco continues to attract both homebuyers and real estate investors. From primary residences to rental properties and value-driven opportunities, Waco offers diverse options in 2026.