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 Support

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

We Focus On New House Acquisitions

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 Costs

Texas Mortgage Refinance Professionals

Refinance Today & Save!

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

Texas FHA Mortgage Loans

Benefits of FHA Mortgages

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

Texas VA Mortgage Loans

Features 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 Products

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 apply for payday loans in colorado Mortgages

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 Demands

Texas Mortgage Company—Local Customer Care. Require a brand new mortgage loan in Texas?

Lone Star Financing is 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. Being an immediate mortgage company, we provide 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 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 mortgage loans and Texas Mortgage Refinance.With a myriad of Texas mortgage programs to pick from, we are able to get the perfect loan item for every single individual financing scenario. From FHA mortgage loans for the first-time home purchasers to VA mortgage loans for the Texas Veterans, we are able to get the perfect mortgage loan for every single specific debtor. Contact us today or use online for more information on how we work and just why folks are selecting Lone Star Financing because their lender that is preferred in.


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

As an area Texas home loan business, we possess the freedom to underwrite your loan utilizing good judgment underwriting.

Unlike numerous Texas home loan organizations that concentrate main on price and questionable product product product product sales, we coach you on the most readily useful mortgage system for the specific requirements, structure your mortgage in accordance with finances, 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 each step associated with method. Many thanks for considering Lone Star Financing as your mortgage loan partner in Texas—we anticipate making your online business and forging a long-lasting relationship. Apply online or call today for exact same day mortgages approvals!

Just Just Just What Our Clients are Saying…

We Provide Each Of Texas!

It doesn’t matter what section of Texas you reside in, Lone Star Financing gets 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 next-door neighbors fund their domiciles!

North Texas Mortgage Loans

Southern Texas Mortgages

Central Texas Home 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? Why don’t we Talk by E-mail

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Lone Celebrity Financing

Lone Star Financing is really 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% normal Texas insurance coverage. For a regular $200,000 house this might be $1,500 or $125 each month. Veteran loans are exempt from MIP as well as the PMI is supposed 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 traditional 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 might be greater for loan quantities under $300,000. Please phone for details. * Rates are topic to improve with no warning. * Closing Costs assume that debtor will escrow property that is monthly and insurance coverage re re payments. * Subject to underwriter approval; only a few candidates will undoubtedly be authorized. * costs and charges use. * re re re Payments don’t consist of taxes and insurance coverage. * Assumes – 30 Day Rate Lock. * Rates based on Texas property. * home loan insurance coverage just isn’t contained in the re payment quoted. Home loan insurance coverage will be expected for many FHA, VA and USDA loans along with main-stream loans in which the loan to value is more than 80%. * limitations may use. * Lender charges & Appraisal Fees may apply

Residence Owner’s Insurance

Guideline of just one% yearly of loan value generally in most Texas areas. $200,000 loan value = $2000 yearly or $166.66 each month. Home owner’s insurance will change by market and we also encourage one to see together with your regional insurance broker for real insurance costs.