Purchase · Refinance · Invest
Your goal.
Your loan options.
Get a clear overview before you apply. Explore homebuying, refinance, equity, and specialty programs with Neal Pyles and the lending team behind your loan.
Explore your choices
Buy a home
Conventional loans
Flexible financing for your first home, next home, or an eligible investment property.
Low down payment optionsFHA loans
A government-insured mortgage option for eligible buyers who want a smaller down payment and flexible qualification.
For eligible military borrowersVA loans
Home financing for eligible veterans, active-duty service members, and certain surviving spouses.
Higher-value home financingJumbo loans
Financing for a loan amount above the applicable conforming limit.
Eligible rural and suburban homesUSDA loans
Zero-down financing for eligible households buying an eligible rural or suburban primary residence.
Help with eligible upfront costsDown payment assistance
Explore assistance that may help eligible Texas buyers with their down payment or closing costs.
Explore your choices
Refinance & equity
Mortgage refinance
Make your existing mortgage fit your next goal.
Access equity with a new mortgageTexas cash-out refinance
Replace your existing mortgage with an eligible new loan and access part of your home’s equity at closing.
Flexible access to home equityTexas HELOC loans
An eligible home-equity line of credit gives you access to funds as you need them while keeping your existing first mortgage.
A lump sum and defined repaymentTexas home-equity loans
Explore a one-time lump sum backed by eligible equity in your Texas home.
For eligible existing VA mortgagesVA IRRRL refinance
A streamlined refinance path for an eligible existing VA mortgage.
For eligible existing FHA mortgagesFHA Streamline refinance
An eligible FHA-to-FHA refinance with a simplified review.
Explore your choices
Specialty financing
Non-QM & bank statement loans
Mortgage options for borrowers whose income or financial situation does not fit a traditional documentation path.
For property and business projectsCommercial real estate loans
Property-focused financing for eligible Texas commercial acquisitions, refinances, or development plans.
Rental-property financingDSCR investment loans
Explore rental-property financing built around the property’s ability to support its debt payments.
Refinance an investment propertyDSCR rental-property refinance
Review a rate-and-term or cash-out refinance for an eligible rental property through Crestmark Lending.
For eligible small multifamily rentalsMultifamily DSCR loans
Explore Crestmark Lending’s financing for eligible 2–4 unit rentals and selected 5–8 unit multifamily properties.
For value-add rental projectsDSCR renovation & rehab loans
Explore Crestmark Lending’s financing paths for eligible rental-property renovation, rehab, and BRRRR strategies.
Higher-balance rental financingJumbo DSCR loans
Explore higher-balance financing for eligible investment properties through Crestmark Lending.
For entity-held investment propertyLLC & entity DSCR loans
Review Crestmark Lending’s DSCR financing for eligible LLC-owned rental properties.
A quick introduction
Let's find your
way home.
Tell me a little about your plans. I’ll help you understand your loan options and next steps.
npyles@lonestarfinancing.comPrefer to talk? Book a 15 minute call.