Richardson, TX Home Loans & Mortgage Refinancing
Buying a new home in Richardson, TX? Lone Star Financing is a trusted local mortgage lender helping Richardson homebuyers secure the right financing with confidence. We offer competitive rates, flexible loan options, and personalized service for both first-time buyers and move-up homeowners.
As a mortgage broker, we partner with over 20 lenders to access wholesale pricing, lower rates, and faster closings. We are an approved FHA and VA lender and offer Conventional mortgages, Jumbo home loans, DSCR financing, and Mortgage refinance solutions designed to fit a wide range of homebuyers and investors.
- Low Rates & Low Fees
- Mortgage Broker
- Wholesale Pricing Access
- Fast Approvals
- Texas Customer Service
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 Austin borrowers.
A Smarter Way to Finance Your Home
Lone Star Financing is your trusted Richardson mortgage team, delivering competitive rates, fast approvals, and on-time closings. Our experienced professionals make the lending process simple, transparent, and tailored to your goals.
From first-time home buyers to seasoned homeowners, we deliver personalized guidance and reliable service at every step—so you can move forward with confidence and enjoy a smooth, stress-free home financing experience.
Fast Close
As a mortgage broker with in-house processing, we streamline approvals to ensure a smooth, efficient, and stress-free experience.
Low Rates
Richardson mortgage lender offering low rates, minimal fees, and fast closings. FHA, VA, and USDA approved.
Service
We prioritize our clients, delivering exceptional service and a smooth, stress-free experience.
Texas Mortgage Company - Richardson, TX
Welcome to Lone Star Financing, a trusted mortgage lender in Richardson, TX. We offer competitive rates, fast closings, and a smooth, stress-free loan process. Our secure, technology-driven platform makes applying simple—allowing you to upload documents, connect accounts, and receive approvals quickly. Since 2007, we’ve built a strong reputation in Richardson for integrity, transparency, and exceptional service.
Whether you’re buying a new home in Richardson or looking to refinance your existing mortgage, Lone Star Financing is here to help at every stage of the process. From Texas FHA loans and VA home loans to USDA rural home loans, we offer a range of solutions tailored to your unique situation. Our experienced team will guide you through each step, ensuring you secure the best mortgage option to achieve your financial goals.
Why Choose Lone Star Financing?
- Direct Mortgage Lender
- Local Underwriting and Fast Approvals
- No-Obligation Good Faith Estimate
- Trusted Richardson, TX Lender
What truly sets Lone Star Financing apart is our dedication to competitive rates, personalized service, and a wide variety of mortgage products with fast, hassle-free pre-approvals. As a Texas-based mortgage lender, we prioritize building lasting relationships with our clients in Richardson. Call us today or apply online—we look forward to earning your trust and your business!
Richardson, TX Mortgage Company
CALL TODAY (855) 314-8080
- Mortgage Broker
- Close in 21 Days or Less
- No-Obligation Loan Estimate
- Local Customer Service
Why Choose Us? Lone Star Financing works with local underwriters to deliver fast approvals and the right loan for your needs. From FHA loans and USDA options to VA loans for eligible veterans, our experts guide you every step of the way. Trusted by Richardson Realtors, we make home financing simple, efficient, and reliable. Apply online or call today—same-day approval may be available.
Serving Homebuyers Across North Texas
In addition to Richardson, 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 Allen Wichita Falls
2026 Real Estate Snapshot
Located northeast of Dallas in Collin and Dallas counties, Richardson, TX currently has 223 active new and resale homes, including 42 open houses. As of January 2026, the average listing price is $354,550, with 93 properties in various stages of foreclosure.
Looking for new homes in Richardson, TX – Check out all homes for sale in Richardson, TX.
