⭐ Top-Rated Mortgage Broker for Waco, TX Homebuyers
Your Waco Mortgage Broker for New Home Loans & Refinancing
Whether you’re buying a home in Waco or refinancing, Lone Star Financing delivers competitive rates, responsive service, and a streamlined process for fast, reliable closings.
As a mortgage broker with access to 20+ lenders, we offer better options and pricing across FHA, VA, Conventional, DSCR, and refinance loans—backed by clear guidance and a personalized, stress-free experience.
- Low Rates & Low Fees
- FHA, VA & USDA Loans
- More Loan Options
- Fast Approvals
- Wholesale Pricing Access
- 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.
Your Texas Mortgage Lending Experts
Lone Star Financing is your trusted Waco mortgage team, delivering competitive rates, on-time closings, and personalized guidance from start to finish. Whether you are purchasing or needing a cash-out refinance, we’ve got you covered!
Why Choose Lone Star Financing
With access to multiple lenders and in-house expertise, we offer better loan options and faster decisions than traditional banks. Whether you’re buying a new home or refinancing in Waco, our experienced team is committed to reliable service and results you can count on.
Close on Time
Our goal is to close every loan in 21 days or less, with a streamlined process that ensures quick approvals and timely funding.
Low Rates & Fees
Waco Mortgage Broker with Low Rates, Low Fees and Fast Closings. FHA, VA, and USDA loan options.
Customer Service
Waco’s trusted mortgage company for exceptional customer service – we prioritize client needs, delivering a smooth, stress-free experience from start to finish.
Trusted Waco, TX Mortgage Broker
Welcome to Lone Star Financing – your trusted local Texas mortgage company serving Waco, TX. As a licensed mortgage broker, we deliver competitive rates, fast closings, and a smooth, hassle-free experience from start to finish. Our secure platform makes it easy to apply, link accounts, upload documents, and get approved quickly with confidence.
Since 2007, we’ve built our reputation on integrity, transparency, and exceptional, client-focused service.
Buying a home in Waco or looking to refinance your mortgage? Lone Star Financing is a trusted mortgage broker serving Waco, TX, specializing in home purchase loans and refinance solutions. We offer a wide range of loan programs, including Texas FHA loans, VA home loans, and USDA rural home loans for qualified borrowers in Waco.
With a modern, client-focused approach, we combine technology, efficiency, and personalized service to make the mortgage process simple and stress-free. Here are a few reasons borrowers choose Lone Star Financing:
- Local mortgage broker with competitive rates and low fees
- Streamlined process designed for fast approvals and closings
- No-obligation loan estimate and personalized mortgage guidance
- Responsive, local customer service for Waco homebuyers and homeowners
What sets Lone Star Financing apart is our commitment to competitive pricing, clear communication, and a smooth borrowing experience from start to finish. We offer a wide range of mortgage products, quick pre-approvals, and the personalized service you expect from a trusted Texas mortgage broker. Since 2007, we have built our reputation on integrity, transparency, and exceptional customer care.
Whether you need home financing in Dallas, Houston, Austin, San Antonio, or Waco, Lone Star Financing is here to help. Call us today at (855) 314-8080.
Real People. Local Expertise. Better Service.
Gabriela Sanchez
Sr. Loan Officer
NMLS #1690159
Debbie Odell
Sr. Loan Officer
NMLS #1121045
Glen Dicken
Sr. Loan Officer
NMLS #313548
Brett Dempsey
Branch Manager
NMLS #2014728
Mark Dusza
Sr. Loan Officer
NMLS #860825
Trusted by Waco 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.
Your Waco, TX Mortgage Company
CALL TODAY (855) 314-8080
Buying or refinancing in Waco, TX? Lone Star Financing offers FHA, VA, USDA, Jumbo, and DSCR loans with fast approvals, local Texas processing, and personalized mortgage solutions you can trust.
Serving Homebuyers Across Central Texas
In addition to Waco, TX, Lone Star Financing provides mortgage solutions throughout Central Texas. Below are nearby cities where we also offer home loan and refinancing services.
Waco, TX Real Estate Snapshot – 2026
As of 2026, the Waco, TX real estate market remains active and diverse, offering a wide range of housing options for buyers and investors. With roughly 650 homes currently available and an average listing price around $253,000, Waco continues to present attractive opportunities across multiple price points. These properties vary in size, style, and location, catering to different budgets and preferences. View all homes for sale in Waco, TX.
With competitive pricing, steady demand, and a resilient housing market, Waco continues to attract both homebuyers and real estate investors. From primary residences to rental properties and value-driven opportunities, Waco offers diverse options in 2026.
