Killeen Home Loans
Made Simple
More loan options, better rates, and personalized guidance from a trusted Killeen mortgage broker
⭐ Killeen Mortgage Broker – Low Rates & Fast Closings
Your Killeen Mortgage Broker for Home Loans & Refinancing
Whether you’re buying a home in Killeen or refinancing, Lone Star Financing is a trusted mortgage broker offering competitive rates, wholesale pricing, and a streamlined process.
We offer FHA, VA, Conventional, Jumbo, and refinance options—delivering clear guidance and a personalized approach to keep financing simple and stress-free from application to closing.
- FHA, VA & Conventional
- Wholesale Pricing
- More Loan Options
- Fast Pre-Approval
- Low Rates & Fast Close
- Local 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
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 in Killeen, TX.
Better Rates. More Options. Faster Closings.
A Better Home Financing Experience
Your trusted Killeen mortgage company— we’re committed to delivering competitive rates, clear guidance, and dependable service from application to closing.
Whether you’re purchasing a new home, or refinancing to improve your terms, or planning your next investment, our team prioritizes on-time closings and a smooth experience at every step. We’re here to make the mortgage process simple, transparent, and tailored to your goals.
Close on Time
Our goal is to close every loan in 21 days or less. With streamlined processing, we ensure fast approvals and timely funding.
Low Rates & Fees
Killeen mortgage broker with Low Mortgage Rates. FHA, VA, and USDA Home Loans.
Service
Killeen, TX customer care -we will be with you at every step from application to closing.
Trusted Killeen Mortgage Experts
Based in Killeen, Texas, we proudly serve our local community with competitive rates, flexible loan options, and personalized guidance. Whether you’re purchasing a home, refinancing, or investing in real estate with a DSCR loan, our experienced mortgage professionals are here to help you move forward with confidence.
By leveraging advanced technology, we consistently deliver exceptional customer service that truly stands out in the industry. Because of our commitment to “Low Rates, Low Fees, and Fast Closings,” more individuals in the Killeen area trust us as their go-to mortgage partner.
Looking to buy a new home in Killeen, Texas? Lone Star Financing is a direct mortgage lender that specializes in new home purchases: FHA Loans, VA Home Loans, and USDA Home Loans in Killeen. Texas FHA loans, Texas VA loans and Texas USDA are just a few loan programs available to the residents of Killeen.
- Killeen Mortgage Lender
- Local underwriting and closing
- No-Obligation Good Faith Estimate
- Local Killeen customer service
Lone Star Financing is a preferred Killeen mortgage lender by realtors in Texas because we can close loans quickly and on time as promised. As a direct mortgage lender we offer local Texas underwriting which enables our underwriter’s to make quicker decision and can process loans quickly. What our Customer’s Are Saying: “I called when I was overseas and Charlie was so helpful and knowledgeable I knew instantly I had found the right mortgage company to help with my home loan in Killeen. You helped educate me on the home loan process and the advantages of the VA home loan program. Thank you for all of the help!” – Staff Sergeant, Michael Bishop
Real People. Local Expertise. Better Service.
Lisa Collins
Loan Officer
NMLS #2689135
Debbie Odell
Sr. Loan Officer
NMLS #1121045
Jen Papaelias
Sr. Loan Officer
NMLS #2692859
Brett Dempsey
Branch Manager
NMLS #2014728
Allen Lundberg
Sr. Loan Officer
NMLS #277507
Trusted by Killeen Homebuyers
Real feedback from Lone Star Financing clients across Texas.
4.6 out of 5
★★★★★
Based on 54 Google reviews
Joshua Hayden
Great experience working with Lone Star Financing. The team was knowledgeable, responsive, and made the entire process smooth from start to finish. Highly recommend for anyone looking for a reliable mortgage broker.
Julianne Fogle
Fantastic experience from start to finish. The process was smooth, communication was clear, and the team made everything easy to understand. I would absolutely recommend Lone Star Financing to anyone buying a home.
Adriana Castro
Highly recommend Lone Star Financing. They were professional, helpful, and made the home loan process simple and stress-free. The team stayed responsive and guided us clearly every step of the way.
Killeen Home Loans & Refinance
Apply Online in Minutes
Get started with a simple online mortgage application and compare Killeen home loan options with Lone Star Financing. We help Texas buyers and homeowners find competitive rates, low fees, and fast closing solutions.
KILLEEN, TX MORTGAGE:
CALL TODAY (855) 314-8080
- Local Texas Broker
- Close in as little as 21 days
- Free Good Faith Estimate
- Top Notch Service
Serving Homebuyers Across Central Texas
In addition to Killeen, Lone Star Financing provides mortgage solutions throughout Central Texas. Below are nearby cities where we also offer home loan and refinancing services.
Killeen Texas Real Estate
The median home price in Killeen was $244K in June 2026, trending up 14.3% year-over-year. The median cost per square foot for homes in Killeen, TX was $138 per square foot. What are the popular neighborhoods Killeen? Some of the trending neighborhoods in or around Killeen, Texas is White Rock Estates, Goodnight Ranch, and Yowell Ranch. Search all homes for sale in Killeen, Texas. Lone Star Financing is your Texas mortgage lender for new home loans and mortgage refinance in Killeen, TX.
As a leading mortgage company in Killeen, TX, we are dedicated to helping individuals and families achieve their homeownership dreams with ease and confidence. Our team of experienced professionals is committed to providing personalized mortgage solutions that cater to a wide range of financial situations. Whether you’re a first-time homebuyer, a seasoned investor, or looking to refinance your current home in Killeen, TX, we offer a variety of loan programs to suit your unique needs.
