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

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

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

Customer Care

Our company is regional to Texas and supply top-notch support. We will be with you at every action from application to closing. Read just just exactly just what our clients assert!

We Concentrate On New House Acquisitions

Brand new Residence 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 payday loans in carolina Term
  • Cash-out debt consolidation reduction
  • Streamline Options Available

Texas FHA Mortgage Loans

Features of FHA Mortgages

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

Texas VA Mortgage Loans

Benefits of VA Loans

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

Texas Traditional Mortgage Loans

Traditional Loan Benefits

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

Texas USDA Mortgage Loans

Features 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 property meet your needs

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

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

Lone Star Financing is really 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 mortgage that is direct, we provide in-house underwriting which allows our underwriters to create faster choices and process our loans quickly. We have been a technology-driven business, and gives a level of customer support the best. “Low Rates, minimal costs, and Fast Closings” is our motto and defines why Texas residents choose Lone Star Financing because of their Texas mortgages and Texas Mortgage Refinance.With a range of Texas mortgage loan programs to select from, we could discover the perfect loan item for every lending scenario that is individual. From FHA mortgage loans for the first-time house purchasers to VA mortgages for the Texas Veterans, we are able to get the perfect mortgage loan for every borrower that is individual. Contact us today or use online for more information about how we work and just why individuals are selecting Lone Star Financing as their lender that is preferred in.


  • Our Goal would be to Close in 28 times or Less
  • In-house Underwriting
  • No-Obligation Loan Estimate
  • Minimal Prices. Minimal Costs. Fast Closings
  • Neighborhood Texas Customer Support

As a nearby Texas home loan business, we possess the freedom to underwrite your loan making use of sense underwriting that is common.

Unlike numerous Texas home loan organizations that concentrate main on price and ruthless product product product sales, we coach you on the home loan program that is best for the specific requirements, structure your mortgage in accordance with your money, and supply the cheapest feasible prices available. We will walk you step-by-step through the Texas mortgage loan procedure and help keep you informed each step associated with the means. Many thanks for considering Lone Star Financing as your mortgage loan partner in Texas—we look forward to making your company and forging a long-lasting relationship. Apply online or call today for exact same time mortgage loans approvals!

Just Exactly Exactly Exactly What Our Clients are Saying…

We Provide Each Of Texas!

Regardless of what element 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 assisted your next-door next-door neighbors fund their houses!

North Texas Mortgage Loans

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

Latest We We Blog Posts

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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

Determined by multiplying loan value utilizing PMI rates: traditional .75%, USDA 1.00% FHA 1.75% average Texas insurance coverage. For a regular $200,000 house this really is $1,500 or $125 each month. Veteran loans are exempt from MIP plus 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 old-fashioned loans; the absolute minimum FICO score of 740; and that loan number of $300,000 for conforming loans, unless otherwise specified. * Annual portion Rate (APR) calculations assume a purchase deal. * Rates 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; not absolutely all candidates will soon be authorized. * charges and charges use. * re re re re Payments don’t consist of fees and insurance coverage. * Assumes – 30 Day Rate Lock. * Rates based on Texas home. * home loan insurance coverage just isn’t contained in the re payment quoted. Home loan insurance coverage shall be expected for many FHA, VA and USDA loans in addition to traditional loans where in fact 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 generally in most Texas areas. $200,000 loan value = $2000 yearly or $166.66 every month. Home owner’s insurance will change by market so we encourage one to go to together with your insurance that is local agent real insurance costs.

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