Trusted Texas Mortgage Lender for Home Loans & Refinancing
Texas mortgage broker with lower rates and closing costs, in-house processing, and personalized home loan solutions with top notch customer service.
- FHA, VA & Jumbo Loans
- Wholesale Pricing
- More Loan Options
- Fast Approvals
- Low Rates & Fast Close
- Texas Customer Service!
Explore Our Home Loans
Texas Home Loans
We specialize in new home loans, providing our clients with a wide range of flexible loan options with ultra low rates.
- Primary or secondary
- FHA, USDA, and VA
- Conventional Loans
- Low Interest Rates
Conventional Loans
Conventional loans with favorable terms— lower mortgage insurance and lower rates for qualified borrowers.
- 30, 20 and 15-Year terms
- Financing up to $832,750
- Primary or secondary
- Up to 95% Financing
Texas FHA Loans
FHA loans are ideal for first-time homebuyers in Texas, but you don’t have to be a first-time buyer to qualify:
- Only 3.5% Down
- Easier Credit Qualifying
- 203k Renovation Loans
- First-Time Homebuyers
Texas VA Loans
VA lender in Texas with low rates — here to help Texas veterans secure the home financing they’ve earned and deserve.
- True Zero Down
- No Mortgage Insurance
- No DTI Restrictions
- Jumbo Loan Options
USDA Home Loans
USDA loans for eligible rural properties. USDA home loans offer 100% financing and lower rates for qualified buyers:
- 100% Financing
- Lower Income Eligibility
- Eligible Rural Areas
- Low Interest Rates
Jumbo Loans
Jumbo loans up to $3,000,000, financed through private investor programs with flexible guidelines and competitive terms:
- Loans up to $3,000,000
- Primary & Secondary
- Flexible Guidelines
- Minimum FICO >680
Mortgage Refinance
Texas mortgage refinancing — unlock savings — lower rate and refinance for better terms and long-term flexibility.
- Lower Payments
- Shorten Mortgage Term
- FHA Streamline
- VA IRRRL’s
Cash Out Refinance
Unlock your home’s equity with a Texas Cash Out Refinance — lower rates, flexible loan options, and access to cash.
- Home Improvements
- Debt Consolidation
- Personal Expenses
- Access Home Equity
DSCR Loans
We specialize in Texas DSCR loans for real estate investors and rentals—no tax returns, W-2s, or pay stubs required.
- $3M+ (85% LTV)
- No Income Verification
- Rental Income to Qualify
- Multifamily, Airbnb, STR
Commercial Loans
Commercial loan options with low rates for Texas investors and business owners across a wide range of property types.
- Loans up to $50,000,000
- Purchase, Refi, or Cash-Out
- Flexible Structures
- Ultra Competitive Rates
A Better Way to Finance Your Home
At Lone Star Financing, we make homeownership easier with competitive rates, smooth closings, and local expertise you can trust. Whether a new home purchase or a cash-out refinance—we’ve got you covered!
As a mortgage broker, Lone Star Financing provides access to wholesale rates and multiple lenders—helping you secure better options and competitive pricing.
Close on Time
Our goal is to close every home loan in 21 days or less. In-house underwriting, processing, and on-time fundings.
Better Rates
Texas Mortgage Lender with Low Rates, Low Fees and Fast Closings. FHA, VA, and USDA Approved Lender.
Local Service
Home Loans in Texas with top-notch customer support. Local underwriting and fast approvals
Your Trusted Texas Mortgage Lender
We help Texas homebuyers secure lower rates, flexible terms, and fast closings with personalized guidance every step of the way. We offer low rates on FHA loans, VA loans, Conventional mortgages, Jumbo home loans, and Mortgage Refinancing—providing clear guidance and a personalized approach to keep home financing simple and stress-free.
As an independent mortgage broker, we leverage wholesale pricing and multiple lenders to secure competitive rates and flexible options. From application to closing, we deliver a smooth, efficient loan experience that is second to none.
Fast, Reliable Texas Home Loans
Lone Star Financing is a trusted Texas mortgage lender delivering fast, personalized service and competitive loan solutions. Whether you’re purchasing a home, refinancing, securing a DSCR investor loan, or exploring commercial financing, we help you move forward with confidence.
Our mission is simple: integrity, exceptional service, and upfront lending. We provide clear, transparent guidance at every step—an approach that has made Lone Star Financing one of Texas’s leading mortgage lenders.
Lone Star Financing is a local Texas mortgage company specializing in residential home loans. As a Texas-based mortgage broker, we secure lower rates and more flexible lending options by working with a wide network of wholesale lenders—giving you an edge over traditional banks. Unlike large national lenders, we’re rooted right here in Texas, delivering responsive local service and a high-touch experience from start to finish. Our experienced loan officers specialize in Texas home loans, and our underwriting support is Texas-based, helping ensure smoother communication and faster closings.
A Better Way to Finance Your Texas Home
Work with a Texas mortgage team committed to delivering competitive financing and a smooth, efficient loan experience from start to finish. Why more people choose Lone Star Financing:
Access to wholesale rates
No-obligation loan estimate
Low rates and low fees
Local Texas customer service
Closings in as little as 21 days
Based in Austin, Texas, we guide you through every step of the mortgage process—from application to funding. As a direct Texas mortgage lender, we apply common-sense underwriting and streamlined processing to help you close quickly and confidently. Call today or apply online to get started—we’re ready to earn your business and help you achieve your homeownership goals.
Allen Lundberg
Sr. Loan Officer
NMLS #277507
Chris Lederer
Production Manager
NMLS #2004549
Jen Papaelias
Sr. Loan Officer
NMLS #2692859
Ryan Wood
Sr. Loan Officer
NMLS #1757471
Brett Dempsey
Branch Manager
NMLS #2014728
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Local Expertise. Statewide Lending.
Lone Star Financing is a trusted Texas mortgage broker offering residential and commercial loan solutions. We deliver competitive rates, fast pre-approvals, and a smooth, transparent lending experience—guiding homebuyers, homeowners, and investors every step of the way.
Our Locations : Looking to buy a new home in Texas? No matter where you live, our Texas home loan experts are here to help. We are a direct mortgage lender right here in Texas and can close loans anywhere in the state. Lone Star Financing– your local Texas mortgage company with the best rates, lowest fees, and top notch customer service.
South Texas Lending
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