If you want a *completely* hassle free refinance experience, G. Steven Bray at Texas Lone Star Lending is where you need to go. We could not get anyone at the credit union to talk to us on the phone. I contacted Steve mid June and we closed in July. Steve guided us through every step, watched the rates/fees daily and communicated to us what we   (Read more)
Sheila C. and David B.
Austin, TX

The cost of waiting to refinance

Add a Guest House to Your Home Purchase Loan

Add a Bathroom Update to Your Home Purchase Loan

One Loan for Home Purchase and Remodeling

Add a Pool to Your Home Purchase


Buy an investment condo the easy way

Buy a rental condo without proving income or employment. Condotel features - hotel operations, rental pools - don't matter.


Boost Your Tax Refund with Mortgage Interest Tax Credit

A mortgage interest tax credit can boost your income tax refund by thousands of dollars.


Buy a Bigger Home with Mortgage Interest Tax Credit

A mortgage interest tax credit can add thousands of dollars to your income to qualify for a larger mortgage.


Use Your Home Equity

Use our Home Equity Calculator to decide which home equity solution is right for you.


Limited Time Lower Rates!
Refinance Your FHA Loan

Use our simplified refinance program to lower your FHA mortgage rate. Find out how much you can save using our short quiz.


No Money Down Construction Loan

You may be able to build your dream home with little to no money out of your pocket.


When is Consolidating Debt a Good Idea?

Interest rates are rising. Consolidate debt before the Fed hikes your credit card rates again. Try our debt consolidation tool to see how much you could save.


Limited Time Lower Rates!
Refinance Your VA Loan

Use our simplified refinance program to lower your VA mortgage rate. Find out how much you can save using our short quiz.


An easy way to acquire more rentals

Expand your rental portfolio. Buy more rentals without proving income or employment. Use the property's potential rental income to qualify.


Buy a small apartment the easy way

Buy a small apartment building without proving income or employment. Use the property's potential rental income to qualify.


Don’t let gig work stop you from buying a home!

Gig workers can qualify to buy a home without using tax returns.


RE Agents: You can buy
your own dream home!

Real estate agents can qualify to buy a home without using tax returns. Inconsistent income is okay.


Texas Homeowners: Overwhelmed by Credit Card Debt?

Use your home equity to consolidate debts into one lower monthly payment. Try our debt consolidation tool to see how much you could save.


Buy your own short-term rental

Buy a short-term rental property without proving income or employment. Use the property's potential rental income to qualify.


Buy a home without using tax returns!

Business owners can buy a home without using their tax returns to qualify.


Texas Homebuyers: Get Down Payment Assistance

Can you qualify for down payment assistance to buy a home? Take this short quiz to find out.


Commission-only?
You can buy a home!

Commission-only salespeople can qualify to buy a home even if they're new to commission income.


Buy rental property the easy way

Buy a rental property without proving income or employment. Use the property's potential rental income to qualify.


Be Your Own Builder

You can build your own dream home and get a construction loan to build it.