Wichita Falls, TX
Mortgage Lender
More loan options, lower rates, and personalized guidance from a trusted Wichita Falls mortgage broker
⭐ Wichita Falls Mortgage Company – Low Rates & Fast Closings
Wichita Falls Mortgage Broker & Home Loan Experts
Lone Star Financing is a trusted Wichita Falls mortgage lender offering competitive rates, flexible loan programs, and personalized guidance for home purchases and refinances.
Our access to 30+ wholesale lenders allows us to compare multiple loan programs, helping you save money and close with confidence. We specialize in FHA, VA, Conventional, Jumbo, and Refinance loans, helping Wichita Falls homebuyers secure the right financing for their individual needs.
- FHA, VA & Jumbo Loans
- Wholesale Pricing Access
- More Loan Options
- Fast Approvals
- Low Rates & Fast Close
- Local Texas Service!
The Lone Star Financing Advantage
Compare the advantages of working with a Wichita Falls mortgage broker instead of a traditional bank. Discover how a mortgage broker can provide lower rates, more loan options, and greater financing flexibility.
One lender. One set of loan options.
Lower rates and more loan options.
Limited to the programs they offer.
Access a wider range of loan programs.
One set of guidelines for every borrower.
Flexible guidelines for more borrowers.
One set of strict credit requirements.
Multiple lenders with flexible credit guidelines.
We specialize in new purchases with flexible mortgage options, competitive rates, and a streamlined home buying process.
- Primary & Secondary Homes
- FHA, VA & USDA Options
- Low Down Payment Programs
- Competitive Rates & Terms
Conventional loan options with flexible terms, lower mortgage insurance, and attractive rates for qualified homebuyers.
- 30, 20 & 15-Year Fixed Terms
- Financing Up to $832,750
- Primary & Secondary Homes
- Up to 95% Financing Available
FHA loans offer flexible guidelines, low down payment options, and an affordable path to homeownership for first-time buyers.
- Low 3.5% Down Payment
- Flexible Credit Guidelines
- 203(k) Renovation Financing
- Ideal for First-Time Buyers
Texas VA loans provide eligible veterans and active-duty service members with flexible financing and powerful benefits.
- Zero Down Payment Options
- No Private Mortgage Insurance
- Flexible Credit Guidelines
- Exclusive Benefits for Veterans
Refinancing can help lower your monthly payment, lower your rate, or improve your loan terms with more flexible options.
- Lower Monthly Payments
- Shorten Your Mortgage Term
- FHA Streamline Refinancing
- VA IRRRL Refinance Options
DSCR loans for real estate investors with flexible qualifying based on rental income instead of personal income documentation.
- Financing Up to $3 Million+
- No Tax Returns or W-2s
- Qualify Using Rental Income
- Multifamily, Airbnb & STR Eligible
More Loan Options
USDA Loans
Zero-down financing options for eligible rural and suburban homebuyers.
Jumbo Loans
Flexible financing for higher-value homes with competitive mortgage options.
Cash-Out
Access your home equity for improvements, debt consolidation, or major expenses.
Commercial
Business and investment property financing solutions for Wichita Falls borrowers.
Better Rates. More Options. Faster Closings.
The Lone Star Advantage
Your Wichita Falls Mortgage Broker
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.
Start Your Pre-ApprovalClose on Time
With access to a broad network of lenders, we help borrowers close in 21 days or less through efficient processing, rapid approvals, and consistent on-time execution.
Wholesale Pricing
Access competitive mortgage pricing from multiple wholesale lenders and compare loan options designed to fit your goals and budget.
Personalized Service
Our Dallas–Fort Worth-based team is committed to helping Wichita Falls homebuyers navigate the mortgage process with confidence, providing expert guidance and dedicated support from start to finish.
Low-Rate Home Loans & Refinancing in Wichita Falls, TX
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.
Real People. Local Expertise. Better Service.
Debbie Odell
Sr. Loan Officer
NMLS #1121045
Glen Dicken
Loan Officer
NMLS #313548
Brett Dempsey
Branch Manager
NMLS #2014728
Mark Dusza
Sr. Loan Officer
NMLS #860825
Neal Pyles
Loan Officer
NMLS #1929617
“Mark Dusza and the Lone Star Financing team made our DSCR loan process smooth from start to finish. We closed with a competitive rate, excellent communication, and a fast, stress-free experience.”
“Debbie Odell made our first home buying experience in Texas incredibly smooth and reassuring. She went above and beyond throughout the entire process and was always available to help every step of the way.”
“Mark made our home loan process clear, simple, and easy to navigate. He was always available to answer questions, and we truly appreciated the communication and support from Lone Star Financing.”
Wichita Falls Home Loans & Refinance
Apply Online in Minutes
Get started with a simple online mortgage application and compare Wichita Falls home loan options with Lone Star Financing. We help Texas buyers and homeowners find competitive rates, low fees, and fast closing solutions.
Wichita Falls, TX Mortgage Lender
CALL TODAY (855) 314-8080
- Mortgage Broker
- Close in 21 Days or Less
- Wholesale Pricing Access
- Texas Customer Service
Mortgage Lending 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 Homebuyers Across Texas — Lone Star Financing is a trusted Texas mortgage broker serving homebuyers throughout the state. We provide competitive home financing and refinancing solutions for borrowers in cities throughout Texas, including South Texas, Central Texas, and West Texas locations.
South Texas Home Loans
Central Texas Home Loans
From Dallas and Fort Worth to Plan, Irving, Lewisville, and communities across Texas, Lone Star Financing helps homebuyers secure lower rates, flexible financing, and provides a stress free experience from application to closing.
Wichita Falls Real Estate & Home Loans
Wichita Falls continues to offer affordable homeownership opportunities for first-time homebuyers, military families, and homeowners looking to refinance. Home to Sheppard Air Force Base and a diverse local economy, Wichita Falls provides a stable housing market, family-friendly neighborhoods, and excellent value for buyers throughout North Texas. Learn more about community services and development initiatives through the City of Wichita Falls.
As a trusted Wichita Falls mortgage lender and mortgage broker, Lone Star Financing helps homebuyers compare FHA, VA, Conventional, USDA, Jumbo, and refinance loan options from 25+ lenders. We proudly serve Wichita Falls and surrounding communities including Burkburnett, Iowa Park, Henrietta, Electra, Holliday, and other areas throughout Wichita County, helping borrowers secure competitive rates, flexible home loan solutions, and a smooth mortgage process from pre-approval through closing.
Real-Estate Snapshot: As of June 2026, Wichita Falls has 458 active new and resale homes, including 27 open houses, with 67 properties in pre-foreclosure, auction, or bank-owned status. The average new-home price is $242,750, 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.