ABY Home Loans
ABY Home LoansPartnered with Key Star Lending
Call, text or email 24 hours a day, 7 days a week(281) 217-2220alex@abyhomeloans.comyvonne@abyhomeloans.com

Texas purchase and refinance loans

Lower your monthly payment. Or find the home first.

We compare loan options and show you real numbers before you decide anything.

  • Secure application form
  • Takes about 1 minute
  • No upfront fees

Apply here.

Choose your goal to find your loan options.

Apply Here

By continuing you agree to our Terms of Use and Privacy Policy. You will go to our secure application form.

Loan options

Four ways we can help.

Whether you are buying, refinancing, or tapping equity, you start with the same one-minute form.

BUYING

Purchase loans

Financing for a primary home, second home, or investment property, with a clear picture of your monthly cost before you make an offer.

LOWER THE PAYMENT

Rate-and-term refinance

Replace your current mortgage with a new rate, a new term, or both, and see the break-even point up front.

USE YOUR EQUITY

Cash-out refinance

Turn home equity into cash for repairs, debt consolidation, or a large expense, in one new loan.

GOVERNMENT-BACKED

FHA and VA loans

Programs with flexible requirements for first-time buyers and for service members, veterans, and military families.

How it works

From contact to closing in three easy steps.

  1. Tell us your goal

    Choose refinance or purchase, and complete secured application.

  2. Compare your options

    A loan specialist walks you through rates, terms, and costs for each program you qualify for.

  3. Close with confidence

    Lock in your loan, finish the paperwork, and know every number up front, so you can close on time.

Calculators

Run your numbers.

Estimate your monthly payment. This covers principal and interest only; taxes, insurance, and mortgage insurance are extra.

Estimated principal and interest
$0
Total interest over the loan
$0
Total of all payments
$0
Number of payments
360

Illustration only. This is not a rate quote or a loan offer.

Questions

Before you start.

Does filling out the secured application commit me to a loan?

No. The application starts a conversation. You decide whether to move forward after you see your options.

What do I need to have ready?

Just your goal and contact info. After your application is entered, we will contact you to request documents and get the ball rolling on your loan.

Is refinancing right for me?

It depends on your current rate, how long you plan to stay, and the closing costs. We show you the break-even point so you can judge for yourself.

How long does a loan take to close?

Timing varies by loan type, property, and how quickly documents arrive. Your loan specialist will give you a timeline for your situation.

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Privacy Policy

Last updated October 31, 2026

ABY Home Loans, a division of Key Star Lending (“ABY,” “we,” “us”), respects your privacy. This policy explains what personal information we collect when you visit this website, apply for a loan, or contact us, how we use it, and the choices you have.

Information we collect

The information we collect depends on how you deal with us.

  • Contact information you give us when you call, text, email, or apply, such as your name, email address, phone number, and mailing address.
  • Loan application information you enter in our secure application or provide to your loan specialist, which can include your Social Security number, date of birth, employment, income, assets, debts, credit history, and details about the property.
  • Documents you send us during processing, such as pay stubs, bank statements, tax returns, and identification.
  • Basic technical information that your browser sends automatically when you visit, such as your device type, browser, and IP address.

How we use your information

  • To respond to your questions and contact you about your loan request.
  • To take, review, and process your loan application, including verifying your identity and your financial information.
  • To obtain credit reports, order appraisals, title and other third-party services needed to close your loan.
  • To meet legal and regulatory requirements, prevent fraud, and keep our systems secure.
  • To improve our website and our services.

How we share your information

We do not sell your personal information. We share it only as needed to provide the service you asked for or as the law requires, including with:

  • Key Star Lending and its affiliates.
  • Service providers that help us run our business, including the provider that hosts our secure application, credit reporting agencies, appraisers, title and escrow companies, and loan servicers.
  • Investors, insurers, and other parties involved in funding, insuring, or selling your loan.
  • Government agencies, regulators, and courts when required by law or to protect our rights.

We require our service providers to protect your information and to use it only for the purpose we gave it to them.

Calls, texts, and email

If you give us your phone number or email address, we may use it to contact you about your loan request, including by call, text message, or email. Message and data rates may apply to texts. You can tell us to stop contacting you in a particular way at any time by replying STOP to a text, using the unsubscribe link in an email, or contacting us using the details below.

Cookies and tracking

This website is a single informational page. We do not add advertising or analytics trackers to it. If that changes, we will update this policy. The secure application is hosted by a service provider and may use cookies that are necessary to keep your session safe and working.

How we protect your information

We use physical, technical, and administrative safeguards designed to protect your personal information, including encryption on our secure application. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.

How long we keep your information

We keep your information for as long as we need it to provide our services and to meet legal, tax, and recordkeeping requirements. After that, we delete it or make it anonymous.

Your choices and rights

You can ask us to tell you what personal information we hold about you, to correct information that is wrong, or to stop sending you marketing. Federal and state law may limit what we can change or delete, because we must keep certain loan records. To make a request, contact us using the details below.

Children’s privacy

Our website and services are for adults. We do not knowingly collect personal information from children under 13.

Links to other websites

This site links to other websites, including the NMLS Consumer Access site and our application provider. We do not control those sites and are not responsible for their privacy practices. Please read their policies.

Changes to this policy

We may update this policy from time to time. The date at the top shows when it was last changed. If we make a significant change, we will post a notice on this page.

Contact us

If you have questions about this policy or want to make a request, contact ABY Home Loans:

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Terms of Use

Last updated October 31, 2026

Welcome to the ABY Home Loans website. ABY Home Loans is a division of Key Star Lending (“ABY,” “we,” “us”). By using this website you agree to these Terms of Use. If you do not agree, please do not use the site.

About this website

This website provides general information about our mortgage loan services and links to our secure application. Nothing on this site is an offer to lend, a commitment to lend, or a guarantee of any rate, term, or approval. All loans are subject to credit approval, underwriting, property requirements, and other conditions. Loan products, rates, and terms may change without notice and may vary by property and borrower.

Calculators and estimates

The payment and refinance calculators are provided for illustration only. They use the numbers you enter and simple assumptions, and the results do not include taxes, insurance, mortgage insurance, or other costs. Example values shown in the calculators are not quotes. Your actual payment, rate, and costs will be shown in your official loan documents, such as the Loan Estimate and Closing Disclosure.

Who may use the site

You must be at least 18 years old to use this website or apply for a loan. Our services are offered to residents of Texas. This website is not intended for use where it would be contrary to law.

Your application and information

When you apply, you agree to give us information that is true, accurate, and complete. Providing false information may lead to denial of your application and other consequences under the law. Our Privacy Policy explains how we collect and use your information.

Electronic communications

By giving us your phone number or email address, you agree that we may contact you about your loan request by phone, text message, or email. Message and data rates may apply. You can opt out at any time as described in our Privacy Policy.

Acceptable use

You agree not to:

  • Use the site for any unlawful, fraudulent, or deceptive purpose.
  • Attempt to gain unauthorized access to the site, our systems, or other users’ information.
  • Interfere with or disrupt the site, including by introducing viruses or other harmful code.
  • Copy, scrape, or republish the site’s content in bulk without our written permission.

Intellectual property

The content on this website, including text, design, logos, and graphics, belongs to ABY Home Loans, Key Star Lending, or their licensors and is protected by law. You may view and print pages for your own personal use. You may not otherwise copy, modify, or distribute the content without our written permission.

Links to other websites

This website links to sites we do not control, including our application provider and the NMLS Consumer Access site. We are not responsible for the content, availability, or practices of those sites, and a link does not mean we endorse them.

Disclaimer

This website and its content are provided “as is” and “as available.” To the fullest extent the law allows, we make no warranties of any kind, express or implied, including that the site will be uninterrupted, error-free, or free of harmful components, or that its content is complete or current.

Limitation of liability

To the fullest extent the law allows, ABY Home Loans, Key Star Lending, and their officers, employees, and agents are not liable for any indirect, incidental, special, or consequential damages arising from your use of, or inability to use, this website. Nothing in these terms limits any right or protection you have under federal or Texas law that cannot be limited.

Governing law

These terms are governed by the laws of the State of Texas and applicable federal law, without regard to conflict-of-law rules.

Changes to these terms

We may update these terms from time to time. The date at the top shows when they were last changed. Your continued use of the site after a change means you accept the updated terms.

Contact us

If you have questions about these terms, contact ABY Home Loans:

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Savings Disclosures

Last updated October 31, 2026

Refinancing or buying a home can change what you pay each month and over the life of a loan. This page explains the limits of any savings or payment figures you see on the ABY Home Loans website, including the results from our calculators. ABY Home Loans is a division of Key Star Lending.

Examples are not offers

The numbers shown in our calculators are examples. They are not a rate quote, a loan offer, or a commitment to lend. Your actual rate, payment, and costs depend on your credit profile, loan amount, loan-to-value ratio, property type and location, loan program, and market conditions on the day your rate is set.

What the calculators include

  • Payment results cover principal and interest only. They do not include property taxes, homeowners insurance, mortgage insurance, or homeowners association dues, which can add to your monthly cost.
  • Refinance results compare the principal and interest on your current loan with a new loan, using the balance, rate, remaining years, and closing costs you enter.
  • Results are only as accurate as the information you enter.

Lower payment does not always mean lower cost

A refinance may lower your monthly payment, but it can also increase the total you pay over time. For example, extending your loan term, rolling closing costs into the loan, or taking cash out can lead to more total interest, even if your payment goes down. The “lifetime difference” shown in our refinance calculator compares the total of all remaining payments on your current loan with the total of all payments and closing costs on a new loan. It does not account for the time value of money, changes in your taxes, or the possibility that you sell or refinance again before the end of the term.

Closing costs and break-even

Refinancing usually involves closing costs, such as lender fees, appraisal, title, and recording charges. The break-even point is the number of months it takes for your monthly savings to cover those costs. If you sell the home or refinance again before you reach that point, you may not save money overall.

Rates can change

Interest rates and loan terms change often and may change before you lock. A rate is not guaranteed until it is locked in writing, and a lock may have conditions and an expiration date.

Qualification

All loans are subject to credit approval, income and asset verification, an acceptable property appraisal, and underwriting guidelines. Not every applicant will qualify for every loan program, and some programs, such as FHA and VA loans, have additional requirements and fees.

Get your official numbers

After you apply, we will give you a Loan Estimate that shows the actual rate, payment, and costs for your loan. Compare it carefully with your current loan before you decide. If you have questions about any figure on this site, ask your loan specialist.

Equal Housing Lender. Calculator results are estimates for illustration and are not an offer of credit.

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