Your Waco Lender for New Home Loans & Mortgage 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 in-house underwriting to close loans fast.
As a mortgage broker with access to 20+ lenders, we deliver better options, competitive pricing, and fast, reliable closings. Whether you’re purchasing a new home or refinancing, Lone Star Financing guides you through every step with clarity and efficiency.
- Low Rates & Low Fees
- VA, FHA & USDA Loans
- Fast Approvals
- Free Good Faith Estimate
- Local Customer Service
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
Texas Home Loans, Done Right!
Welcome to Lone Star Financing – your local direct mortgage lender in Waco, TX. As a direct lender, we offer competitive rates and fast loan closings, making the process smooth and hassle-free. Our technology-driven platform lets you complete your application, sync bank accounts, upload documents, and receive full loan approval securely and easily. The right mortgage starts with the right lender. Since 2007, we’ve built our reputation on integrity, excellent customer service, and transparency. Whether you’re buying a new home or refinancing, Lone Star Financing is here to help you every step of the way!
Buying a new home in Waco or need help to refinance your mortgage? Lone Star Financing is a direct lender right here in Waco, TX that specializes in new home purchases and mortgage refinance. We offer a bevy on mortgage programs including: Texas FHA Loans, VA Home Loans and USDA rural home loans in Waco. With a forward-thinking approach, we combine modern technology and common sense to prioritize our clients’ needs. We offer low rates, a streamlined process and unbeatable service:
- Direct Mortgage Lender
- Local underwriting and closing for fast approvals
- No-Obligation Good Faith Estimate
- Local Waco, TX customer service
What sets Lone Star Financing apart? We offer competitive rates, personalized service, and a wide range of mortgage products with quick and easy pre-approvals. Our motto—low rates, low fees, and fast closings—has made us a top choice for Waco borrowers, earning us a reputation as a trusted mortgage lender in Texas. Lone Star Financing is a local Texas mortgage lending company dedicated to building long-term relationships with borrowers, regardless of market conditions. Our goal is to not just meet expectations, but to exceed them, leaving clients saying, “Great job!” We aim to be your trusted mortgage lender for life, not just for one loan. Discover why more people are choosing Lone Star Financing for a better mortgage experience in Waco. Whether you need home financing in Dallas, Houston, Austin, San Antonio or Waco, we have you covered. Call us today to visit: (855) 314-8080
Trusted Waco Mortgage Experts
Lone Star Financing is your trusted Waco mortgage team, delivering competitive rates, on-time closings, and personalized guidance from start to finish. We take the time to understand your goals and make the home loan process clear, smooth, and stress-free.
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 in-house underwriting, processing, and closing, we ensure quick approvals and timely funding.
Low Rates & Fees
Waco Mortgage Lender with Low Rates, Low Fees and Fast Closings. FHA, VA, and USDA Approved Lender.
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.
Allen Lundberg
Sr. Loan Officer
NMLS #277507
Chris Lederer
Production Manager
NMLS #2004549
Jen Papaelias
Sr. Loan Officer
NMLS #2692859
Ryan Wood
Sr. Loan Officer
NMLS #1757471
Brett Dempsey
Branch Manager
NMLS #2014728
Texas 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 underwriting, and personalized mortgage solutions you can trust.
Our Locations : Looking to buy a new home in Texas? No matter where you live, our Texas home loan experts are here to help. We are a direct mortgage lender right here in Texas and can close loans anywhere in the state. Lone Star Financing– your local Texas mortgage company with the best rates, lowest fees, and top notch customer service.
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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.