Garland Home Loans & Refinancing from a Trusted Local Lender
Lone Star Financing is a trusted Garland, TX mortgage lender delivering competitive rates, flexible loan options, and personalized local guidance. Whether you’re buying your first home or need a cash-out refinance, we make financing simple, fast, and stress-free.
As a mortgage broker, we work with 20+ wholesale lenders to offer lower rates and faster closings. We specialize in FHA home loans, VA loans, Conventional loan, Jumbo mortgages, and Refinance Options —providing clear guidance and a personalized approach to keep home financing simple and stress-free.
- Low Rate & Low Fees
- Same Day Approvals
- No Cost Estimates
- VA, FHA & Jumbo Loans
- 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
![Garland FHA Mortgage Lender](https://lonestarfinancing.com/wp-content/uploads/2026/05/Garland-FHA-Home-Lender.jpg" "Garland Texas FHA Home Purchases")
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.
A Better Way to Finance Your Home
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.
Whether you’re a first-time home buyer seeking an FHA loan or a Texas veteran using a VA loan, we’ve got you covered every step of the way.
Close on Time
Our goal is to close every loan in 21 days or less, with fast approvals and reliable, on-time funding through our broker network.
Low Rates & Fees
Garland, TX Mortgage Lender with Low Mortgage Rates. FHA, VA, and USDA Approved Lender.
Service
We are Local to Garland and provide top-notch customer support. We will be with you at every step from application to closing. Read what our customers are saying!
Trusted Garland Mortgage Experts
We simplify home financing with competitive 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 in-house underwriting and processing, we often close in as little as 21 days, helping you reach your homeownership goals faster.
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
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.
With many financing options available, Garland homebuyers choose Lone Star Financing for our personalized service, competitive rates, and fast closings. From Texas FHA loans to DSCR loans for investors, we deliver tailored solutions that make Lone Star Financing a trusted mortgage partner in Garland, TX.
