Houston's Trusted Mortgage Lender
Your Houston Mortgage Lender for New Home Loans and Refinancing
Lone Star Financing is a trusted local Houston, TX mortgage lender helping homebuyers secure the right financing with confidence. We offer competitive mortgage rates, flexible loan options, and personalized service tailored to today’s Houston buyers—whether you’re purchasing your first home or moving up.
As a mortgage broker, we work with 20+ lenders to access wholesale pricing—delivering lower rates and fast closings. As an approved VA and FHA lender, we provide expert guidance and customized home loan solutions from application through closing and beyond.
- Mortgage Broker
- Multiple lender options
- Wholesale pricing access
- Low Rates & Low Fees
- Local Customer Service!
Our Houston Home Loans
New Home Loans
Planning to buy a new home in Houston? We offer a variety of home loan programs for new purchases.
- Primary, secondary, investment
- FHA, USDA, and VA Loans
- Conventional Loans
- Low Rates & Variable Terms
Conventional Loans
Conventional home loans are our most popular loans, offering several advantages such as lower interest rates.
- 30, 20 and 15-Year terms
- Financing up to $766,500
- Primary home, secondary, investment
- Up to 95% Financing
FHA Loans
FHA loans are an excellent option for first-time home buyers in Houston, requiring just a 3.5% down payment and gift funds OK.
- Only 3.5% Down Payment
- Easier Credit Qualifying
- 203k Renovation Loans
- First Time Home Buyers
VA Loans
As an approved VA lender in Houston, we offer low rates and committed to helping Tex Vets maximize their benefits.
- 100% Financing
- No Monthly PMI
- No DTI Restrictions
- VA Jumbo Available
Houston USDA Loans
USDA loans are available for rural properties in Houston, offering up to 100% financing for eligible properties.
- Rural Properties -100% Financing
- Primary Residence Only
- Closing Costs Rolled In
- Low Interest Rates
Jumbo Loans
Jumbo mortgages in Houston are available up to $3,000,000, financed through private investor programs.
- Loans up to $3,000,000
- Primary & Secondary Homes
- Investor Specific Guidelines
- Credit Score Minimums
Cash Out Refinance
Unlock the equity in your home with a Texas Cash Out Refinance – enjoy lower interest rates and flexible options.
- Home Improvements
- Debt Consolidation
- Personal Expenses
- Higher Education
Mortgage Refinance
Lone Star Financing offers unbeatable rates and a streamlined process to refinance your mortgage in Houston, TX.
- Reduce Monthly Payment
- Shorten Mortgage Term
- FHA Streamline Available
- VA IRRRL Streamline
Houston Home Loan Experts
Welcome to Lone Star Financing, your trusted Houston, TX mortgage lender. We offer low rates, fast closings, and a secure digital mortgage platform that makes applying, uploading documents, and getting approved simple—whether you’re buying a home or refinancing.
We’re proud to be an FHA and VA-approved lender serving Houston.
Trusted Houston Mortgage Company – Since 2007 
Looking to buy a new home in Houston, TX? We’re here to help! As one of Houston’s top mortgage company, we provide personalized solutions with competitive rates, exceptional service, and deep local expertise. Whether you’re purchasing a home or refinancing, you can count on us to make the process smooth and stress-free. We specialize in residential home loans in Houston, TX, and are an approved lender for FHA Loans, VA Loans, and USDA Home loans. Why choose Lone Star Financing over other mortgage companies? Here’s why people trust us:
- Low Rates
- In-House Underwriting
- Fast Loan Closings
- Dedicated Houston Customer Service
As a direct lender in Texas, we process and underwrite in-house, offering a straightforward approach without loan brokers. Getting a mortgage doesn’t have to be difficult. A great mortgage starts with the right lender. Learn More
Your Houston Mortgage Broker
Lone Star Financing is your trusted Houston mortgage expert, providing personalized home loan guidance backed by deep knowledge of the local market. We work closely with you to identify the right financing based on your goals, budget, and timeline.
From first-time buyers to experienced homeowners, our insight into Houston neighborhoods, pricing trends, and local lending nuances helps you make confident, informed decisions throughout the home loan process.
Close on Time
Our goal is to close every loan in 21 days or less. Mortgage broker with fast approval and on-time fundings.
Low Rates & Fees
Home Loans in Houston with Low Rates, Low Fees and Fast Closings.
Customer Service
Houston mortgage lender with top-notch customer support. We will be with you at every step from application to closing.
Allen Lundberg
Sr. Loan Officer
NMLS #277507
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
HOUSTON MORTGAGE BROKER
CALL TODAY (855) 314-8080
Lone Star Financing is a trusted Houston mortgage lender offering residential and commercial loans, competitive rates, fast approvals, and in-house underwriting—allowing us to close quickly, often in as little as 21 days, with personalized local service.
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
2026 Houston Real Estate
The Houston housing market remains stable in 2025, with home prices rising due to strong demand and limited inventory. While buyers face competitive conditions and higher rates, Houston continues to attract homeowners and investors thanks to its strong economy and relative affordability.
View all 12,259 homes for sale in Houston from Realtor.com. See pricing and listing details and set search criteria to filter your home search by MLS, zip codes, price and more.