Buying or refinancing in College Station? I am Neal Pyles, a Senior Loan Officer with Lone Star Financing serving Brazos County and all of Texas. Home of Texas A&M with strong rental and Aggie family demand. You get wholesale rates from 25+ lenders and plain talk the whole way.
Low down payment options for primary homes in College Station with competitive Brazos County pricing.
Flexible credit and 3.5% down. Strong fit for first time College Station buyers.
Zero down for eligible Texas veterans and active duty buyers in College Station.
Higher balance financing for luxury and new construction College Station homes.
Lower your rate, pull cash out, or drop mortgage insurance in College Station.
Qualify on rental income, not tax returns, for College Station investment property.
I know Brazos County values, appraisers, and what it takes to win a College Station 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 College Station.
As little as 0% with VA, 3.5% with FHA, and 3% to 5% with conventional. The right answer for College Station 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 College Station scenarios other shops turn away.
Many Brazos 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 College Station guide reflects current Texas lending guidelines and local market knowledge.