First-time house customer loans with bad credit and zero down

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 Care

We have been neighborhood to Texas and offer customer support that is top-notch. We will be with you at each action from application to closing. Read exactly what our clients assert!

We Concentrate On Brand New Residence Acquisitions

Brand new Residence Loan? Why don’t we assist!

  • Primary Residence, 2nd Home, Investment
  • Traditional, FHA, VA and USDA Loans
  • Renovation Loan Products
  • Great Prices, Minimal Costs

Texas Mortgage Refinance Specialists

Refinance Today & Save!

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

Texas FHA Mortgage Loans

Features 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% Financing
  • No Monthly Mortgage Insurance
  • No Financial Obligation to Income Limitations
  • Jumbo Choice with Advance Payment

Texas Mainstream Mortgage Loans

Traditional Loan Benefits

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

Texas USDA Mortgage Loans

Benefits of USDA Loans

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

Texas Jumbo Mortgage Loans

Benefits of Jumbo Mortgages

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

Texas Reverse Mortgage

Allow your house meet your needs

  • No Monthly Home Loan Repayments
  • Cash-Out Choices
  • Cash it Tax Complimentary
  • No Credit History Needs

Texas Mortgage Company—Local Customer Care. Require a home that is new in Texas?

Lone Star Financing is just a mortgage that is preferred in Texas that specializes in FHA mortgage loans, VA mortgage loans, mainstream mortgage loans, USDA Residence Loans, Non Conforming Jumbo Loans, Reverse Mortgages, Construction Loans, and Mortgage Refinance. As being a primary mortgage company, you can expect in-house underwriting which allows our underwriters in order to make faster choices and process our loans quickly. We have been a technology-driven business, and gives a level of customer support first rate. “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 myriad of Texas mortgage loan programs to select from, we are able to get the perfect loan item for every single individual financing scenario. From FHA mortgages for the 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 about how we work and exactly why folks are selecting Lone Star Financing as his or her 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. Low Costs. Fast Closings
  • Regional Texas Customer Care

As a nearby Texas home loan business, we’ve the freedom to underwrite your loan utilizing commonsense underwriting.

Unlike numerous Texas home loan businesses that concentrate main on price and questionable product product sales, we coach you on the home loan program that is best for the specific needs, structure your mortgage based on your money, and gives the cheapest feasible prices available. We will walk you detail by detail through the Texas mortgage loan procedure and help keep you informed every action regarding the means. Many thanks for considering Lone Star Financing as your mortgage loan partner in Texas—we look ahead to making your online business and forging a relationship that is long-term. Apply online or call for same day home loans approvals today!

Exactly Exactly Just What Our Clients are Saying…

We Provide Each Of Texas!

It doesn’t matter what section of Texas you reside, Lone Star Financing gets the resources to last. Focusing on New mortgage loans; FHA and VA mortgages; and Mortgage Refinance. Find your town below and understand how we’ve aided your next-door next-door neighbors fund their houses!

North Texas Mortgages

Southern Texas Mortgage Loans

Central Texas Mortgage Loans

Western Texas Mortgage Loans

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

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Lone Celebrity Financing

Lone Star Financing is 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: main-stream .75%, USDA 1.00% FHA 1.75% normal Texas insurance coverage. This is $1,500 or $125 per month for a conventional $200,000 home. Veteran loans are exempt from MIP additionally the PMI will likely 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 a single-family, detached, owner-occupied main residence; a loan-to-value ratio of significantly less than 80% for main-stream 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. * prices can 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 property that is monthly and insurance coverage re re payments. * Subject to underwriter approval; only a few candidates is going to be authorized. * costs and charges use. * Payments don’t consist of fees and insurance coverage. * Assumes – 30 Day Rate Lock. * Rates based on Texas home. * Mortgage insurance coverage just isn’t contained in the re re payment quoted. Home loan insurance coverage will be expected for several FHA, VA and USDA loans in addition to old-fashioned loans where in actuality the loan to value is higher 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 every month. Home owner’s insurance will be different by market and we also encourage one to check out together with your insurance that is local agent real insurance costs.

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