Buy a home
Understand what you can afford, what to expect, and how to move forward.
Start hereYour Loan Educator
Make smarter home loan decisions.
Whether you're buying, refinancing, using home equity, or just trying to understand your options, start with the path that fits your situation.
What are you trying to do?
If one of these sounds like you, start there.
Refinance your home
Explore whether refinancing could lower your payment, change your term, or help you reach another goal.
Start hereUse your home equity
Learn ways to use the equity in your home for debt consolidation, improvements, or other financial needs.
Start hereFirst-time homebuyer
Start with the basics: payment, approval, closing costs, and what to expect.
Start hereInvestment property loans
Explore financing options for rental property and investor scenarios.
Start hereSomething else?
See every home loan topic, situation, and resource path in one place.
Start hereStart here if you’re just exploring
Not ready to choose a path yet? These first steps can help you get oriented.
Watch
Short video: How the mortgage process works.
Play videoAI-assisted video. Guidance provided by Texas Lone Star Lending.
Estimate
Use a calculator to get a rough payment idea.
Open calculator
Understand
Read a simple guide to learn what happens before and after you apply.
Read guide
Move forward
Ready to take the next step? You can start an application when it makes sense.
ApplyPlan before you apply
Helpful tools for thinking through your options before you commit.
Payment calculator
See how your down payment, loan amount, interest rate, and term affect your estimated monthly payment.
Open calculatorAffordability calculator
Explore how payment, taxes, insurance, and down payment affect how much home may fit your budget.
Open calculatorRefinance calculator
Compare your current loan with possible new loan terms to estimate payment changes and potential savings.
Open calculatorHome Equity calculator
Estimate how much equity you may have available and explore ways it could be used.
Open calculatorLearn in the way that works for you
Some people want a quick answer. Others want a workshop, a calculator, or a deeper explanation. Use the format that fits how you like to learn.
Can I Qualify?
Quick answers to common approval questions about credit, income, down payment, and debt.
Learn moreWorkshops
Live and on-demand education for buyers and homeowners who want a structured explanation.
Learn moreArticles and videos
Search mortgage explainers, guides, video scripts, and older posts by topic.
Learn moreGuides
Start with plain-English explanations of the mortgage process and key decisions.
Learn moreWhy Texas Lone Star Lending?
We believe it should be okay to ask questions.
Mortgages can feel confusing because there are a lot of numbers, rules, timelines, and decisions. Our job is to help you understand your options clearly so you can make smart home loan decisions.
Education first
We explain the “why,” not just the next step.
Clear communication
You should know what is happening and what to expect.
Real options
As a broker, we can compare options from different lenders and loan programs.
Personal availability
Questions do not always happen during banker’s hours.
What clients say
“Martha & I would like to THANK YOU for all that you did in 2022 to help us qualify and move into our new home not once but twice!! Without your help we would not have been able to increase our credit score to an acceptable level so we would qualify for a loan on one home and then another within a 6 month time span. This definitely qualifies for the record books if not for the Guinness Book of World Records. We thank you so much for helping us with this process. Each day when we wake up we can't believe that we are living where we are. Our own 'castle' in the Villas at Kings Harbor community in Kingwood, TX. God answered our prayers and put you in our path to make this blessing possible. We wish you a happy, blessed and productive 2023. Again it is very difficult to put into words how much we appreciate all that you have done for us!”
— Franklin D. and Martha D.
Ready to move forward?
Start your application when you’re ready. If you have questions first, that’s okay.
You can also use the chat icon in the bottom right.