Lone Star Financing
- Wichita Falls Mortgage Lender
Whether you’re buying a new home in Wichita Falls, TX or looking to refinance your existing mortgage, we’re here to assist you. With competitive rates, exceptional service, and in-house underwriting, we provide a smooth and stress-free loan experience.
- Low Rates & Low Fees
- VA, FHA and USDA Loans
- In-House Underwriting
- Fast Approvals
- Direct Lender
- Texas Company
Mortgage Company in Wichita Falls, TX
As a direct lender, we offer competitive rates and fast closings for a seamless loan experience. Plus, our advanced technology simplifies the process—you can apply, link accounts, upload documents, and secure full approval quickly and securely. Whether buying or refinancing in Wichita Falls, Lone Star Financing is here to guide you every step of the way. Welcome to Lone Star Financing, your local mortgage lender in Wichita Falls, TX.
Lone Star Financing is a top mortgage lender in Wichita Falls, Texas, known for offering low rates and fast, efficient loan processing. As a direct lender with local underwriting, we make quick decisions to streamline your loan experience. With a technology-driven approach and a team of expert loan officers, we provide unmatched customer service. Contact us today or apply online to see why more people are choosing Lone Star Financing as their preferred mortgage lender in Wichita Falls, TX.
We specialize in new home purchases, offering FHA, VA, and conventional home loans with ultra-low rates, low fees, and fast closings. From application to closing, we ensure a smooth, hassle-free process. Call us today to discover why so many Wichita Falls borrowers trust Lone Star Financing as their go-to mortgage partner.
- Direct Lender
- Low Rates
- Local Underwriting
- Fast Closings
Lone Star Financing—your trusted mortgage company in Wichita Falls, TX for new home purchases and refinancing. Learn more About Us
Our Home Loan Programs
New Home Loans
Looking to buy a new home in Wichita Falls? We offer a variety of loan programs for new home purchases:
- Primary home, secondary, investment
- FHA, USDA, and VA Loans
- Conventional Loans
- Low Rates & Variable Terms
Conventional Loans
Conventional fixed rate loans provide lower rates and reduced mortgage insurance with flexible terms:
- 30, 20 and 15-Year terms
- Ultra low rates with great credit
- Primary home, secondary, investment
- Up to 95% Financing
Wichita Falls FHA Loans
FHA loans are perfect for first time home buyers in Wichita Falls, only 3.5% down and gift funds allowed:
- Only 3.5% Down Payment
- Easier Credit Qualifying
- 203k Renovation Loans
- 1st Time Home Buyers
Wichita Falls VA Loans
Preferred VA lender for veteran home loans in Wichita Falls, TX, dedicated to helping you maximize your benefits:
- Zero down, 100% Financing
- No Monthly PMI
- No Debt to Income Restrictions
- VA Jumbo Loans with Down Payment
USDA Loans
USDA loans for rural properties in Wichita Falls. USDA loans offer 100% financing options with lower rates:
- Rural Properties -100% Financing
- Primary Residence Only
- Closing Costs Can Be Rolled In
- Low Interest Rates
Mortgage Refinance
We offer streamlined hassle free mortgage refinancing. Take advantage of lower rate – refinance today and save!
- Rate & Term Refinance
- Cash-Out Refinance
- FHA Streamline Available
- VA IRRRL Streamline
Wichita, Texas Mortgage Experts
Your trusted Wichita mortgage team delivering competitive rates, on-time closings, and unmatched service, every step of the way.
Close on Time
With in-house underwriting and closing, we ensure fast approvals for a smooth and stress-free process.
Low Rates
Wichita Falls Mortgage Lender with Low Rates, Low Fees and Fast Closings. VA, FHA and USDA Loans.
Service
Wichita Falls' trusted lender, known for exceptional customer service, low rates, and fast closings.
Get Pre-Qualified Today!
David Howes
Sr. Loan Officer
NMLS #1438746
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 Home Loans, Done Right!
CALL TODAY (855) 314-8080
- Richardson Mortgage Lender
- Close in 28 Days or Less
- Local underwriting and processing
- No-Obligation Loan Estimate
- Local Texas Customer Service
Are you buying a new home in Wichita Falls, Texas? We’re here to help! As a direct mortgage lender, we provide in-house underwriting and processing, allowing us to close loans quickly and efficiently. Additionally, we are an approved FHA lender for first-time homebuyers, as well as an approved VA lender, proudly serving our U.S. servicemen and women. Furthermore, we specialize in USDA loans for rural properties. With a commitment to excellence, we aim to close all loans in 28 days or less, and in many cases, we offer same-day approvals.
What our Customers Say: “I called Lone Star Financing for help with a refinance and was really impressed at how seamless and hassle free the entire process was. I really like the ability to upload my documents and e-sign online. Ricardo and his team were extremely helping knowledgable and provided exceptional service from start to finish.” – Brenda C.
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.
South Texas Lending
Central Texas Lending
Wichita Falls, TX Real Estate (2025)
As of March 2025, Wichita Falls has 462 new and resale homes on the market, including 18 open houses. Additionally, 58 properties are in pre-foreclosure, auction, or bank-owned stages. The average price for new homes in Wichita Falls reached $192,750, reflecting an 11.4% year-over-year increase. Compared to the rest of the state of Texas, Wichita Falls home prices are significantly less expensive than the state’s average price of $288,565. Search homes for sale in Wichita Falls, Texas.