Garland's Trusted
Mortgage Experts
More loan options, better rates, and personalized guidance from a trusted Garland mortgage broker
⭐ Garland, TX Mortgage Broker – Low Rates & Fast Closings
Garland Mortgage Lender for Home Loans & Refinancing
Lone Star Financing is a trusted Garland, TX mortgage lender offering low mortgage rates, flexible loan programs, and personalized guidance. Whether you’re purchasing a home or refinancing, we make the mortgage process simple, efficient, and stress-free.
As an independent mortgage broker, we partner with 20+ wholesale lenders to deliver lower rates, expanded loan options, and fast closings. We specialize in FHA, VA, Conventional, Jumbo, and Refinance loans, helping Garland homebuyers secure the right financing with confidence.
- FHA, VA & Jumbo Loans
- Wholesale Pricing Access
- More Loan Options
- Fast Approvals
- Low Rates & Fast Close
- Local Texas 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.
Better Rates. More Options. Faster Closings.
The Lone Star Advantage
Why Choose Lone Star Financing?
Lone Star Financing is your trusted Garland mortgage expert, delivering personalized home loan guidance backed by strong local market knowledge. We work closely with you to match the right financing to your goals, budget, and timeline.
From first-time homebuyers to mortgage refinancing, our understanding of Garland's housing market, neighborhoods, and lending landscape 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, delivering fast approvals and reliable, on-time funding through our mortgage broker network.
Wholesale Pricing
As a mortgage broker we can shop your loan to multiple lenders ensuring lower pricing and lower fees.
Personalized Service
We are Local to Dallas and provide top-notch customer support for homebuyers in Garland. We will be with you at every step from application to closing.
Trusted Garland Mortgage Experts
We simplify home financing with lower rates, fast closings, and a seamless digital experience. Our streamlined platform lets you apply online, upload documents, and move toward approval in just a few steps—supported by a dedicated team from start to finish.
Whether you’re buying a home in Garland or refinancing, our Texas mortgage experts deliver speed and certainty. With a streamlined lending process and in-house processing, we often close in as little as 21 days, helping you reach your homeownership goals stressfree.
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.”
Garland Home Loans & Refinance
Apply Online in Minutes
Get started with a simple online mortgage application and compare Garland home loan options with Lone Star Financing. We help Texas buyers and homeowners find competitive rates, low fees, and fast closing solutions.
Serving Homebuyers Across North Texas
In addition to Garland, 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 Allen Grand Prairie Fort Worth Irving Lewisville McKinney Mesquite Plano Richardson Wichita Falls
Serving Homebuyers Across Texas — Wherever you call home, Lone Star Financing is here to help. We provide competitive mortgage financing and refinancing solutions for borrowers throughout Texas, including South Texas, Central Texas, West Texas, and beyond.
South Texas Lending
Central Texas Lending
Garland TX Real Estate
Garland Real Estate Snapshot — As of January 2026, Garland, TX had 487 homes for sale with a median listing price of $434,700. Popular neighborhoods include Firewheel, Kensington Gardens, Briaroaks, Oakcrest Valley Creek, and Crystal Falls.
Learn more about community services and development initiatives through the City of Garland.
