Two of Dallas's most
trusted loan originators.
Cantera Home Lending was founded by Shane Masterman and Christian Johnson — two of the nation's most accomplished mortgage lenders with decades of combined experience and a shared belief that the mortgage process should feel as solid and dependable as the homes they help clients finance.
The difference is in
how we show up.
Decades, Combined
Shane and Christian have navigated every market cycle Dallas has seen — rate hikes, bidding wars, luxury transactions, and first-time buys. That experience means fewer surprises and better outcomes.
Closing in as Few as 8 Days
In competitive markets, speed is a real advantage. Our streamlined process and national platform allow us to close faster than almost anyone in Dallas — without cutting corners.
Relationship First, Always
We don't hand you off to a team. You work directly with Shane or Christian — from the first call to the closing table. Every detail, every update, every call answered.
Deep Dallas Roots
Between them, Shane and Christian have decades of experience in Dallas's most sought-after neighborhoods. They don't just know the market — they live in it.
Powered by New American Funding
Cantera's foundation on New American Funding (NMLS #6606) means access to a full suite of loan products, competitive rates, and the technology infrastructure to deliver a truly modern mortgage experience.
Nationally Ranked, Locally Trusted
Top 1% originators nationally. President's Club and Chairman's Circle honors. D Magazine's Top Mortgage Professionals. The credentials back up what clients already know.
A solution for every
type of buyer.
From first-time buyers to luxury estate transactions, we offer a comprehensive range of loan programs designed to meet clients wherever they are.
Jumbo Loans
Specialized financing for luxury and high-value properties. Our specialty and one of Dallas's most active jumbo markets.
Conventional
Flexible terms and competitive rates for qualified buyers. The backbone of residential lending, done right.
VA Loans
Zero down payment options for veterans and active military. We honor your service with dedicated expertise.
FHA Loans
Low down payment options for first-time buyers and those with less-than-perfect credit.
Bank Statement Loans
For self-employed borrowers — no tax returns, W2s, or pay stubs required. Qualify on your own terms.
Refinance
Rate-and-term or cash-out refinancing to help you leverage your equity or reduce your monthly payment.
Physician Loans
Tailored programs for medical professionals — as little as 5% down with no mortgage insurance required.
Foreign National Loans
Available without a Social Security number, green card, or visa. No FICO score required.
Every neighborhood,
inside and out.
Our team has deep roots across the Dallas metro — from the luxury enclaves of North Dallas to the character-rich streets of East Dallas and Oak Cliff.
The track record
speaks for itself.
Ready to build on
solid ground?
Let's talk about what's possible.