Austin Home Loans
Made Simple
More loan options, better rates, and personalized guidance from a trusted Austin mortgage broker
⭐ Austin Mortgage Broker – Low Rates & Fast Closings
Your Austin Mortgage Broker for New Home Loans & Refinancing
Lone Star Financing is a local Austin mortgage broker offering low rates, flexible loan options, and personalized service.
As a mortgage broker we have access to +20 lenders and wholesale pricing—which means lower rates and fast closings. We provide expert guidance and tailored home loan solutions, supporting you from application to closing.
- FHA, VA & Jumbo Loans
- Wholesale Pricing
- More Loan Options
- Low Rates & Fast Close
- Personalized Solutions
- 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 for Austin borrowers.
Better Rates. More Options. Faster Closings.
Austin Mortgage Rates
Compare Austin mortgage rates for home purchases and refinances, including Conventional, FHA, VA, USDA, and Jumbo loan programs.
Get a Free Rate Quote
Receive customized mortgage rates in seconds and compare loan options, payment estimates, and financing scenarios with no obligation.
Get Instant Rate Quote
The Lone Star Advantage
Why Choose Lone Star Financing?
Lone Star Financing provides personalized mortgage guidance for Austin homebuyers, helping you find the right loan solution based on your goals, budget, and timeline.
We offer competitive FHA, VA, DSCR, Conventional, and Jumbo loan options designed for a wide range of homebuyers and property types across Austin.
Start Your Pre-ApprovalClose on Time
As a broker with controlled processing we can ensure fast approvals and timely funding.
Wholesale Pricing
Austin Mortgage Broker with access to wholesale pricing which means better rates than traditional mortgage banks.
Personalized Service
We focus on your needs to deliver outstanding service and a smooth, stress-free experience from start to finish.
Lone Star Financing is proudly based in Austin, Texas, allowing us to stay closely connected to the communities we serve across the state. As a Texas mortgage broker, we help clients secure financing anywhere in Texas—whether you’re purchasing a new home or refinancing an existing mortgage. From Amarillo to El Paso, San Antonio, and everywhere in between, our team is equipped to help Texas homebuyers move forward with confidence.
We offer a full range of home loan options by working with a network of trusted lending partners, giving our clients access to competitive rates, lower fees, and flexible loan programs. This broker model allows us to shop multiple lenders on your behalf and match you with the best solution for your specific situation. Our streamlined process and dedicated support team are focused on delivering efficient closings—often in as little as 21 days.
As a local Texas mortgage broker, we take a practical, common-sense approach to structuring loans—prioritizing flexibility, personalized service, and a smooth experience from application to closing.
Real People. Local Expertise. Better Service.
Debbie Odell
Sr. Loan Officer
NMLS #1121045
Lisa Collins
Loan Officer
NMLS #2689135
Jen Papaelias
Sr. Loan Officer
NMLS #2692859
Brett Dempsey
Branch Manager
NMLS #2014728
Allen Lundberg
Sr. Loan Officer
NMLS #277507
Trusted by Austin Homebuyers
Real feedback from Lone Star Financing clients across Texas.
4.6 out of 5
★★★★★
Based on 54 Google reviews
Sharon Darby
Outstanding experience with Lone Star Financing, thanks entirely to Brett. He did a phenomenal job from start to finish. His knowledge, creativity, and experience made all the difference when challenges arose.
Michael Underwood
As a realtor in Austin, I’ve worked with Lone Star Financing for nearly a decade. Their loan officers are among the best communicators in the business and consistently provide timely updates throughout the process.
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.
YOUR AUSTIN, TX MORTGAGE LENDER
CALL (855) 314-8080
Lone Star Financing is a trusted Texas mortgage broker, specializing in residential home loans and mortgage refinance tailored to the Austin, TX market. Our experienced loan officers provide personalized solutions to homebuyers, ensuring they find the best financing options tailored to their individual lending needs.
Serving Homebuyers Across Central Texas
In addition to Austin, Lone Star Financing provides mortgage solutions throughout Central Texas. Below are nearby cities where we also offer home loan and refinancing services.
Austin area real-estate (2026)
Austin remains one of the most active housing markets in Texas, attracting first-time homebuyers, relocation buyers, and real estate investors alike. With a wide range of housing options across Central Texas, buyers continue to explore competitive mortgage solutions for primary homes, investment properties, and refinances.
The average sales price of homes in Austin is $573,479. This value was quoted from Austin Zillow April, 2026 and only includes the middle price tier of homes. Austin home values have gone down 4.4% over the past year. This value is seasonally adjusted and only includes the middle price tier of homes. There are currently 2,316 homes listed for sale on Trulia Austin Home Search.
