Trusted Wichita Falls Lender for Home Loans & Refinancing
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.
As an independent mortgage broker working with 20+ wholesale lenders, we deliver better pricing, more options, and faster closings. We offer competitive rates on FHA home loans, VA financing, Conventional mortgages, DSCR loans, and mortgage refinance options—backed by clear guidance and a personalized approach that keeps the process simple and stress-free.
- Low Rates & Low Fees
- VA, FHA and Jumbo
- Mortgage Broker
- Fast Approvals
- 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
![Wichita Falls FHA Mortgage Lender](https://lonestarfinancing.com/wp-content/uploads/2026/05/FHA-Home-Buyer.jpg" "Wichita Falls FHA Home Loan")
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 Wichita Falls, TX Mortgage Lender
CALL TODAY (855) 314-8080
- Mortgage Broker
- Close in 21 Days or Less
- Wholesale Pricing Access
- Texas Customer Service
Are you buying a new home in Wichita Falls, Texas? Lone Star Financing is here to help. As a direct mortgage lender with in-house underwriting and processing, we’re able to move loans quickly and efficiently from application to closing.
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
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.
A Smarter Way to Finance Your Home
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.
Close on Time
With in-house underwriting and closing, we deliver fast approvals and a smooth, stress-free lending experience.
Low Rates
Wichita Falls mortgage broker offering low rates, low fees, and fast closings. VA, FHA, and USDA loans available.
Service
Texas trusted lender, known for exceptional customer service, low rates, and fast closings.
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.
Better Rates. Lower Fees. Faster Closings.
Lone Star Financing is a trusted Texas mortgage lender serving Wichita Falls, TX, with more than 20 years of experience closing home loans across Texas. As a mortgage broker, we work to secure better rates, lower fees, and a streamlined lending process—so your transaction moves forward smoothly and efficiently.
