Trusted Wichita Falls Lender for Home Loans & Refinancing
Lone Star Financing is a trusted Wichita Falls mortgage lender helping homebuyers secure the right financing with confidence. We offer competitive rates, flexible loan programs, and personalized guidance—whether you’re buying, upgrading, or refinancing.
As an independent mortgage broker working with 20+ wholesale lenders, we deliver better pricing, more options, and faster 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 and Jumbo
- Mortgage Broker
- Fast Approvals
- Texas Customer Service
Our Home Loan Programs
New Home Loans
Looking to buy a new home in Wichita Falls? We offer a variety of mortgage programs for new home purchases:
- Primary or secondary
- FHA, USDA, and VA
- Conventional Loans
- Low Mortgage Rates
Conventional Loans
Conventional fixed rate loans provide lower rates and reduced mortgage insurance— lower rate and flexible terms:
- 30, 20 and 15-Year
- Ultra low rates
- Primary or secondary
- Up to 95% Financing
FHA Loans
FHA home loans are perfect for first time home buyers—only 3.5% down, easier qualify, and gift funds are allowed:
- Only 3.5% Down
- Easier Credit Qualifying
- 203k Renovation Loans
- 1st Time Home Buyers
VA Loans
Preferred VA lender in Wichita Falls for veteran home loans, dedicated to helping you maximize your benefits:
- 100% Financing
- No Monthly PMI
- No DTI Restrictions
- VA Jumbo Loan Options
USDA Loans
USDA home loans for rural properties in Wichita Falls. USDA loans offer 100% financing options with lower rates:
- Rural Properties
- Primary Residence Only
- Closing Costs Rolled In
- Low Interest Rates
Mortgage Refinance
We offer streamlined hassle free mortgage refinancing—take advantage of lower rates and refinance today and save!
- Rate & Term Refinance
- Cash-Out Refinance
- FHA Streamline Available
- VA IRRRL Streamline
A Smarter Way to Finance Your Home
Your trusted Wichita Falls mortgage team, Lone Star Financing delivers competitive rates, dependable on-time closings, and personalized guidance from start to finish.
Our experienced Texas-based loan professionals take the time to understand your goals, clearly explain your options, and keep your loan moving smoothly—so you can move forward with your home financing with confidence at every step.
Close on Time
With in-house underwriting and closing, we deliver fast approvals and a smooth, stress-free lending experience.
Low Rates
Wichita Falls mortgage broker offering low rates, low fees, and fast closings. VA, FHA, and USDA loans available.
Service
Texas trusted lender, known for exceptional customer service, low rates, and fast closings.
Wichita Falls Mortgage Experts
As a mortgage broker, we offer low mortgage rates and fast closings for a seamless loan experience. Our secure, technology-driven process makes it easy to apply, upload documents, and move to approval quickly. Whether you’re buying or refinancing, Lone Star Financing is your trusted local mortgage lender in Wichita Falls, TX.
Better Rates. Lower Fees. Faster Closings.
Lone Star Financing is a trusted Texas mortgage lender serving Wichita Falls, TX, with more than 20 years of experience closing home loans across Texas. As a mortgage broker, we work to secure better rates, lower fees, and a streamlined lending process—so your transaction moves forward smoothly and efficiently.
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
Your Wichita Falls, TX Mortgage Lender
CALL TODAY (855) 314-8080
- Mortgage Broker
- Close in 21 Days or Less
- Wholesale Pricing Access
- Texas Customer Service
Are you buying a new home in Wichita Falls, Texas? Lone Star Financing is here to help. As a direct mortgage lender with in-house underwriting and processing, we’re able to move loans quickly and efficiently from application to closing.
We’re approved for FHA loans for first-time homebuyers, VA loans for our nation’s servicemen and women, and USDA loans for eligible rural properties. With a commitment to speed and service, we strive to close loans in 21 days or less, and many borrowers receive same-day approvals.
Serving Homebuyers Across North Texas
In addition to Wichita Falls, TX, Lone Star Financing provides mortgage solutions throughout North Texas. Below are nearby cities where we also offer home loan and refinancing services.
Arlington Carrollton Dallas Denton Garland Grand Prairie Fort Worth Irving Lewisville McKinney Mesquite Plano Richardson Allen
Serving Home Buyers Across Texas:
Beyond these North Texas locations, Lone Star Financing offers mortgage and refinance solutions throughout the entire state. Below is a list of additional service areas throughout Texas where we provide new home loans and refinancing.
South Texas Lending
Central Texas Lending
Real Estate Snapshot (2026)
As of January 2026, Wichita Falls has 468 active new and resale homes, including 27 open houses, with 64 properties in pre-foreclosure, auction, or bank-owned status. The average new-home price is $232,750, reflecting a 6.4% year-over-year increase. Compared to the Texas average of $291,565, Wichita Falls remains a more affordable housing market. Search homes for sale in Wichita Falls, Texas.