Buying or refinancing in Midland? I am Neal Pyles, a Senior Loan Officer with Lone Star Financing serving Midland County and all of Texas. The heart of the Permian Basin with energy driven demand. You get wholesale rates from 25+ lenders and plain talk the whole way.
Low down payment options for primary homes in Midland with competitive Midland County pricing.
Flexible credit and 3.5% down. Strong fit for first time Midland buyers.
Zero down for eligible Texas veterans and active duty buyers in Midland.
Higher balance financing for luxury and new construction Midland homes.
Lower your rate, pull cash out, or drop mortgage insurance in Midland.
Qualify on rental income, not tax returns, for Midland investment property.
I know Midland County values, appraisers, and what it takes to win a Midland contract.
You text or call me, not a 1-800 queue. Updates at every step.
Wholesale rates that often beat the bank down the street in Midland.
As little as 0% with VA, 3.5% with FHA, and 3% to 5% with conventional. The right answer for Midland depends on your credit, price point, and goals. A quick call sorts it out.
FHA can go to 580 and sometimes lower. Conventional usually starts around 620. With 25+ lenders I can place Midland scenarios other shops turn away.
Many Midland County purchases close in 18 to 25 days when documents come in quickly. Refinances vary. I set a realistic timeline up front.
Apply in minutes or grab 15 minutes on my calendar. No pressure, just answers.
Neal Pyles is a Senior Loan Officer (NMLS #1929617) with Lone Star Financing, born and raised in DFW and a UNT grad. He has helped Texas buyers since 2017 across conventional, FHA, VA, jumbo, and investment loans, shopping 25+ wholesale lenders on every file. This Midland guide reflects current Texas lending guidelines and local market knowledge.