El Paso's Trusted
Mortgage Experts
Mortgage broker in El Paso with low rates, more loan options, and local expertise you can trust
⭐ El Paso Mortgage Broker – Low Rates & Fast Closings
El Paso Mortgage Lender for New Home Loans & Refinancing
Lone Star Financing is a trusted El Paso, TX mortgage broker helping homebuyers secure the right financing with confidence. We offer low rates, flexible loan options, and top notch customer service.
We offer Conventional, FHA, VA, and mortgage refinance options, plus access to 20+ lenders—giving you wholesale pricing, lower rates, and fast closings with a simple, stress-free process.
- Mortgage Broker
- Wholesale Pricing Access
- Multiple Lender Options
- Low Rates & Fast Close
- Fast Closing
- Hablamos español
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 in El Paso.
Better Rates. More Options. Faster Closings.
El Paso Mortgage Rates
Compare El Paso mortgage rates for home purchases and refinances, including Conventional, FHA, VA, USDA, and Jumbo loan programs.
Get a Free Rate Quote
Receive customized mortgage rates in seconds and compare loan options, payment estimates, and financing scenarios with no obligation.
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The Lone Star Advantage
Why Choose Lone Star Financing?
Lone Star Financing is your trusted El Paso mortgage expert, delivering personalized home loan guidance backed by strong insight into the local market. We take the time to understand your goals, budget, and timeline to match you with the right financing solution.
From first-time buyers to experienced homeowners, our local expertise in El Paso neighborhoods, home values, and lending requirements helps you navigate the mortgage process with confidence.
Start Your Pre-ApprovalClose on Time
Our goal is to close every loan in 21 days or less. Mortgage broker with fast approval and on-time fundings.
Wholesale Pricing
As a mortgage broker we provide better rates and more loan options compared to traditional mortgage banks.
Personalized Service
As a local El Paso mortgage lender, we provide exceptional customer support, guiding you every step of the way.
Trusted El Paso Mortgage Experts
Lone Star Financing is a trusted mortgage broker in El Paso offering competitive rates and fast, reliable closings. We make the home loan process simple, transparent, and efficient from start to finish.
Our secure, streamlined digital platform allows you to apply with ease—whether you’re purchasing a new home or refinancing. Our team is here to guide you every step of the way from your mortgage pre-approval to closing.
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
Jen Papaelias
Loan Officer
NMLS #2692859
Trusted by El Paso Homebuyers
Real feedback from Lone Star Financing clients across Texas.
4.6 out of 5
★★★★★
Based on 54 Google reviews
Joshua Hayden
Great experience working with Lone Star Financing. The team was knowledgeable, responsive, and made the entire process smooth from start to finish. Highly recommend for anyone looking for a reliable mortgage broker.
Julianne Fogle
Fantastic experience from start to finish. The process was smooth, communication was clear, and the team made everything easy to understand. I would absolutely recommend Lone Star Financing to anyone buying a home.
Adriana Castro
Highly recommend Lone Star Financing. They were professional, helpful, and made the home loan process simple and stress-free. The team stayed responsive and guided us clearly every step of the way.
El Paso Home Loans & Refinance
Apply Online in Minutes
Get started with a simple online mortgage application and compare El Paso home loan options with Lone Star Financing. We help Texas buyers and homeowners find competitive rates, low fees, and fast closing solutions.
El Paso Mortgage Broker
CALL TODAY (855) 314-8080
- Low Rates & Low Fees
- Close on Time
- Wholesale Pricing Access
- Texas Customer Service
Lone Star Financing delivers low rates, minimal fees, and fast approvals for El Paso homebuyers through local Texas underwriting and a streamlined digital platform. We offer FHA, VA, and USDA loans backed by personalized service and efficient closings.
Our mission is to provide exceptional service and become your mortgage lender for life—not just one transaction. Discover why El Paso homebuyers trust Lone Star Financing for a smooth, reliable mortgage experience.
El Paso Real Estate (2026)
As of April 2026, the El Paso housing market remains competitive despite higher interest rates. Average home prices are up 3.4% year over year to $247,660, while the typical mid-tier home value is $198,725 on a seasonally adjusted basis. Browse photos, see new properties, get open house info, and search homes for sale in El Paso.
