Texas Lone Star Lending

Texas Lone Star Lending is owned by married couple, Stacy and Steve Bray. It is headquartered in Lakeway, Texas and has been in the mortgage business since 1996. This company provides both residential and commercial financing services. Its commercial services are geographically focused in the states of Texas, Oklahoma, Colorado, and New Mexico, but the lenders they work with fund loans throughout the world. As a mortgage brokerage, they are able to provide their clients with competitive rates and terms and specialized packages to meet your needs.

Stacy and Steve believe that is very important that their clients are well informed and, therefore, place emphasis on educating their customers on the financing process. From “The Rising Star,” their newsletter (which is also available online), to their very comprehensive website, Texas Lone Star Lending ensures that their clients know and understand what they are getting into so that they can make the best decisions.

Loans Offered by Texas Lone Star Lending

  • Fixed Rate Mortgages
  • No Mortgage Insurance Mortgages
  • Adjustable Rate Mortgages (ARMs)
  • Damaged Credit Mortgages
  • Interest-only Mortgages
  • Zero Down Mortgages
  • Interest Rate Buy-Down
  • 107% Mortgages
  • Balloon Mortgages
  • No Employment Mortgages
  • Graduated Payment Mortgages (GPMs)
  • Stated Income Mortgages
  • Construction Loans
  • Jumbo Mortgages
  • Lot and Land Loans
  • Home Equity Loans
  • VA Loans
  • Second Mortgages
  • Texas Veteran’s Land Board Loans
  • Home Equity Line of Credits
  • USDA Rural Development Loans
  • First Time Homebuyer Loans
  • Commercial Loan Programs

Whether you are looking to refinance or buy a new home or want to fund a commercial property, such as an apartment building, Texas Lone Star Lending’s website has all the information you need. From a section answering common questions and an overview of the mortgage process to a glossary of commercial terms and underwriting guidelines, you can begin the process without feeling lost. They further include market updates, an extensive mortgage library with articles relating to applying, down payments, interest rates, refinancing, appraisals, insurance, credit as well as bankruptcy and relocation. There are even 17 mortgage calculators, including a Debt Consolidation Calculator, a Tax Benefits of Buying Calculator and a Mortgage Length Calculator. Additionally, the website has links to the USDA, The Texas Veterans Land Board, City Info, School Reports, Appraisal Districts, and the Chamber of Commerce.

Texas Lone Star is also a leading advocate of ethical mortgage lending practices. The company’s loan officers even go through a regulatory compliance and training program that is more rigorous than the mortgage industry standards, which Steve developed.  The businesses with whom Texas Lone Star Lending (such as appraisers, builders, and attorneys) all share the company’s same goals and values of educating their clients, providing the best service, offering the best programs, and upholding high standards in order to “always make it right by you.”

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