Very first time house customer loans with bad credit and zero down

Direct Mortgage Company with Minimal Mortgage Prices. FHA, VA, and USDA Approved Lender.

Customer Support

Our company is neighborhood to Texas and supply customer support that is top-notch. We shall be with you at each action from application to closing. Read just just just just what our clients say!

We Concentrate On Brand New Residence Acquisitions

New House Loan? Why don’t we assist!

  • Primary Residence, 2nd Home, Investment
  • Mainstream, FHA, VA and USDA Loans
  • Renovation Loan Tools
  • Great Prices, Minimal Charges

Texas Mortgage Refinance Specialists

Refinance Today & Save!

  • Reduce Payment Per Month
  • Shorten Mortgage Term
  • Cash-out debt consolidating
  • Streamline Solutions

Texas FHA Mortgage Loans

Benefits of FHA Mortgages

  • Great 1st Time Purchasers
  • Minimal Advance Payment
  • Better Credit Qualifying
  • 203K Renovations Loan

Texas VA Mortgages

Benefits of VA Loans

  • Zero Down, 100% Funding
  • No Monthly Mortgage Insurance
  • No Financial Obligation to Income Limitations
  • Jumbo Choice with Deposit

Texas Mainstream Mortgage Loans

Mainstream Loan Benefits

  • Primary, second houses and Investment
  • As much as 97% Funding
  • No Up-front Funding Costs
  • Renovation Loan Tools

Texas USDA Mortgage Loans

Benefits of USDA Loans

  • 100% Funding Rural Characteristics
  • Primary Residence Just
  • Closing Expenses Can be Rolled In
  • House Repairs Can be Rolled In

Texas Jumbo Mortgage Loans

Features of Jumbo Mortgages

  • Main & second Homes
  • 80% Loan to Value
  • Fixed Rate and Arm Alternatives
  • Reserves Needed

Texas Reverse Mortgage

Allow your property be right for you

  • No Monthly Mortgage Repayments
  • Cash-Out Choices
  • Cash it Tax Complimentary
  • No Credit Rating Demands

Texas Mortgage Company—Local Customer Support. Desire a brand new mortgage loan in Texas?

Lone Star Financing is just a mortgage that is preferred in Texas that specializes in FHA mortgages, VA mortgage loans, mainstream mortgage loans, USDA Residence Loans, Non Conforming Jumbo Loans, Reverse Mortgages, Construction Loans, and Mortgage Refinance. As a primary mortgage company, we provide in-house underwriting which allows our underwriters to create faster choices and process our loans quickly. Our company is a company that is technology-driven and provide a level of customer care the best. “Low Rates, minimal charges, and Fast Closings” is our motto and defines why Texas residents choose Lone Star Financing due to their Texas mortgage loans and Texas Mortgage Refinance.With a range of Texas mortgage loan programs to pick from, we could get the perfect loan item for every single lending scenario that is individual. From FHA mortgage loans when it comes to first-time home purchasers to VA mortgage loans for the Texas Veterans, we could discover the perfect mortgage loan for every single borrower that is individual. Contact us today or use online for more information on how we work and just why individuals are selecting Lone Star Financing as their favored loan provider in Texas.


  • Our Goal is always to Close in 28 times or Less
  • In-house Underwriting
  • No-Obligation Loan Estimate
  • Minimal Prices. Minimal Costs. Fast Closings
  • Regional Texas Customer Care

As an area Texas home loan company, we’ve the flexibility to underwrite your loan utilizing wise practice underwriting.

Unlike numerous Texas home loan businesses that concentrate main on price and questionable product product product product sales, we show you the most readily useful mortgage loan program for the specific requirements, structure your mortgage based on your money, and supply the best feasible prices available. We shall walk you detail by detail through the Texas home loan procedure and help keep you informed each step for the method. Many thanks for considering Lone Star Financing as the mortgage loan partner in Texas—we anticipate making your online business and forging a long-lasting relationship. Apply online or call for same day home loans approvals today!

Exactly Just Exactly What Our Clients are Saying…

We Provide Most Of Texas!

Regardless of what section of Texas you reside in, Lone Star Financing has got the resources to last. Focusing on New mortgages; FHA and VA mortgages; and Mortgage Refinance. Find your town below and understand how we’ve assisted your next-door next-door neighbors finance their homes!

North Texas Mortgage Loans

Southern Texas Mortgages

Central Texas Mortgage Loans

Western Texas Mortgages

Why More Texans Select Lone Celebrity Financing ? It Is Our Individuals!

Ryan McKeon

Sr Loan Officer NMLS # 957975

Cornelius Williams

Sr. Loan Officer NMLS #1874757

Dale Gremillion

Sr. Loan OfficerNMLS #210325

Ryan Collins

Manufacturing Support Manager

Call Us- (855) 868-8825

Have Issues? Let us Talk by E-mail

Latest We We We We Blog Posts

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Lone Celebrity Financing

Lone Star Financing is just a DBA of Michigan Mutual, Inc.NMLS #129011525 Lakeville DriveSuite 137Kingwood, TX 77339Texas healing Fund NoticeNMLS Consumer Access

PMI Insurance Coverage

Determined by multiplying loan value making use of PMI rates: mainstream .75%, USDA 1.00% FHA 1.75% typical Texas insurance coverage. For a regular $200,000 house it is $1,500 or $125 each month. Veteran loans are exempt from MIP in addition to PMI are going to be shown as $0 for VA loan calculations.

Home Loan Rate Assumptions

* prices shown assume a purchase deal. * Annual portion Rate (APR) calculations assume a purchase deal of the single-family, detached, owner-occupied main residence; a loan-to-value ratio of significantly less than 80% for old-fashioned loans; the absolute minimum FICO score of 740; and that loan level of $300,000 for conforming loans, unless otherwise specified. * Annual portion Rate (APR) calculations assume a purchase deal. * Rates might be greater for loan quantities under $300,000. Please phone for details. * Rates are topic to alter without warning. * Closing expenses assume that debtor will escrow month-to-month home taxation and insurance coverage re re re payments. * Subject to underwriter approval; not totally all candidates would be authorized. * charges and charges use. * re re Payments don’t add taxes and insurance coverage. * Assumes – 30 rate Lock day. * Rates based on Texas home. * Mortgage insurance coverage is certainly not within the re payment quoted. Home loan insurance coverage shall be expected for several FHA, VA and USDA loans along with mainstream loans where in fact the loan to value is more than 80%. * limitations may use. * Lender costs & Appraisal Fees may apply

Residence Owner’s Insurance

Principle of just one% yearly of loan value in many Texas areas. $200,000 loan value = $2000 yearly or $166.66 each month. Home owner’s insurance will change by market so we encourage you to definitely see together with your neighborhood insurance broker for actual insurance charges.

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