Wichita Falls Home
Loan Experts
More loan options, lower rates, and personalized guidance from a trusted Wichita Falls mortgage broker
⭐ Wichita Falls Mortgage Broker – Low Rates & Fast Closings
Low-Rate New Home Loans & Refinancing in Wichita Falls
Lone Star Financing is a trusted Wichita Falls mortgage lender helping homebuyers secure the right financing with confidence. We offer competitive rates, flexible loan programs, and personalized guidance—whether you’re buying, upgrading, or refinancing.
Our access to 20+ wholesale lenders allows us to compare multiple loan programs, helping you save money and close with confidence. We specialize in FHA, VA, Conventional, Jumbo, and Refinance loans, helping Wichita Falls homebuyers secure the right financing for their individual needs.
- 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 Wichita Falls borrowers.
Better Rates. More Options. Faster Closings.
The Lone Star Advantage
Why Choose Lone Star Financing?
Your trusted Wichita Falls mortgage team, Lone Star Financing delivers competitive rates, dependable on-time closings, and personalized guidance from start to finish.
Our experienced Texas-based loan professionals take the time to understand your goals, clearly explain your options, and keep your loan moving smoothly—so you can move forward with your home financing with confidence at every step.
Start Your Pre-ApprovalClose on Time
With access to a broad network of lenders, we help borrowers close in 21 days or less through efficient processing, rapid approvals, and consistent on-time execution.
Wholesale Pricing
Access competitive mortgage pricing from multiple wholesale lenders and compare loan options designed to fit your goals and budget.
Personalized Service
Our Dallas–Fort Worth-based team is committed to helping Wichita Falls homebuyers navigate the mortgage process with confidence, providing expert guidance and dedicated support from start to finish.
Wichita Falls Mortgage Experts
As a mortgage broker, we offer low mortgage rates and fast closings for a seamless loan experience. Our secure, technology-driven process makes it easy to apply, upload documents, and move to approval quickly. Whether you’re buying or refinancing, Lone Star Financing is your trusted local mortgage lender in Wichita Falls, TX.
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.”
Wichita Falls Home Loans & Refinance
Apply Online in Minutes
Get started with a simple online mortgage application and compare Wichita Falls home loan options with Lone Star Financing. We help Texas buyers and homeowners find competitive rates, low fees, and fast closing solutions.
Your Wichita Falls, TX Mortgage Lender
CALL TODAY (855) 314-8080
- Mortgage Broker
- Close in 21 Days or Less
- Wholesale Pricing Access
- Texas Customer Service
We’re approved for FHA loans for first-time homebuyers, VA loans for our nation’s servicemen and women, and USDA loans for eligible rural properties. With a commitment to speed and service, we strive to close loans in 21 days or less, and many borrowers receive same-day approvals.
Serving Homebuyers Across North Texas
In addition to Wichita Falls, 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 Richardson Allen
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
Real Estate Snapshot (2026)
As of January 2026, Wichita Falls has 468 active new and resale homes, including 27 open houses, with 64 properties in pre-foreclosure, auction, or bank-owned status. The average new-home price is $232,750, reflecting a 6.4% year-over-year increase. Compared to the Texas average of $291,565, Wichita Falls remains a more affordable housing market. Search homes for sale in Wichita Falls, Texas.
Learn more about community services and development initiatives through the City of Wichita Falls.
