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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

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

We Focus On Brand New Residence Acquisitions

New House Loan? Let’s assist!

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

Texas Mortgage Refinance Professionals

Refinance Today & Save!

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

Texas FHA Mortgage Loans

Features of FHA Mortgages

  • Great 1st Time Purchasers
  • Minimal Deposit
  • 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 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

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 be right for you

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

Texas Mortgage Company—Local Customer Care. Desire 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 a primary mortgage company, you can expect in-house underwriting which allows our underwriters to help make quicker choices and process our loans quickly. Our company is a technology-driven business, and provide 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 because of their Texas mortgage loans and Texas Mortgage Refinance.With a myriad of Texas mortgage programs to select from, we are able to get the perfect loan item for every individual financing scenario. From FHA mortgage loans for the first-time house buyers to VA mortgages for the Texas Veterans, we could discover the perfect mortgage loan for every single specific debtor. Give us a call today or use online for more information on how we work and exactly 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 Rates. Minimal Costs. Fast Closings
  • Regional Texas Customer Support

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

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

Just Exactly Exactly Just What Our Clients are Saying…

We Provide Most Of Texas!

No real matter what element of louisiana payday loans Texas you reside, Lone Star Financing gets the resources to last. Devoted to New mortgages; 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 domiciles!

North Texas Mortgages

Southern Texas Mortgage Loans

Central Texas Mortgages

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 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: traditional .75%, USDA 1.00% FHA 1.75% normal Texas insurance coverage. For the standard $200,000 home this can be $1,500 or $125 each month. Veteran loans are exempt from MIP while the PMI is supposed to be shown as $0 for VA loan calculations.

Home Loan Rate Assumptions

* Rates shown assume a purchase transaction. * Annual portion Rate (APR) calculations assume a purchase transaction of a single-family, detached, owner-occupied main residence; a loan-to-value ratio of lower than 80% for old-fashioned loans; the very least FICO score of 740; and that loan quantity of $300,000 for conforming loans, unless otherwise specified. * Annual portion Rate (APR) calculations assume a purchase deal. * Rates could be greater for loan quantities under $300,000. Please phone for details. * Rates are topic to improve with no warning. * Closing expenses assume that borrower will escrow property that is monthly and insurance coverage re re re payments. * Subject to underwriter approval; not totally all candidates should be approved. * costs and charges use. * re 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 payment quoted. Home loan insurance coverage shall be expected for many FHA, VA and USDA loans also traditional loans where in fact the loan to value is higher than 80%. * limitations may use. * Lender charges & 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 each month. Home owner’s insurance will change by market and now we encourage you to definitely see together with your neighborhood insurance professional for real insurance charges.