We make the mortgage process easy.

Our digital mortgage will help find you the best rate with fast closing. Select your loan type below to get started.

Welcome to Star Financial

At Star Financial, we believe every customer is unique. Instead of relying on rigid loan formulas dictated by the banking industry, we take a common-sense approach to finding the right mortgage solution for you. Our goal is to help you secure the best possible loan tailored to your financial needs.

We offer competitive rates on a wide range of loan programs, including:

✔️ FHA Loans
✔️ Fixed-Rate Mortgages – 30-year, 20-year, 15-year, and 10-year terms
✔️ Adjustable-Rate Mortgages (ARMs) – 1-year, 3-year, and 5-year options
✔️ Conventional & Jumbo Loans
✔️ Home Equity Lines of Credit (HELOCs)
✔️ VA Loans for eligible veterans and service members
✔️ Commercial & Investment Property Loan

No matter your situation—whether you need full documentation, no documentation, financing for a non-owner-occupied property, or a multi-family investment—we have the right solution to fit your needs.

Let us help you find the best rate and the perfect loan for your financial future!

Start Your Homebuying Journey with Us

Get Pre-Qualified

We can get you prequalified online so you can make an offer with confidence that it will get accepted.

Benefits
Get Your Offer Accepted
Know Your Buying Range

Get Pre-Qualified

Shop For Best Rate

As a Direct lender we often have more competitive rates because we cut out the middleman (like mortgage brokers) who charge extra fees.

Benefits
Lower Interest Rates
Lower Payments and Fees

Shop Rates

Fast Funding

Our team will use our expertise to make sure your loan gets funded fast! We make funding a breeze.

Benefits
Hassle Free Funding
Get Your Dream House

Fund Your New Home

Loan Programs

There are several types of loan programs available for homebuyers, each with its own features, benefits, and eligibility requirements. Here are some of the most common loan programs:

Conventional (Fannie Mae & Freddie Mac) Loans

As Low as 3% Down Payment
Down Payment Assistance Available (Restrictions Apply)
620 Minimum Credit Score
Loan Terms from 10 to 30 Years
Down Payment Can be Gifted
Monthly Mortgage Insurance
Not Required with 20% or More Down Payment
Automatically Cancels at 78% LTV (Loan-to-Value)

Apply Now Learn More

FHA (Federal Housing Administration) Loans

3.50% Down Payment
Down Payment Assistance Available (Restrictions Apply, up to 5%)
Non-Traditional Credit
As low as 500 FICO Credit Score Allowed
Loan Terms from 10 to 30 Years
Down Payment Can be Gifted
1.75% Upfront Mortgage Insurance Premium
Financed into Loan Amount
0.55% Monthly Mortgage Insurance
Remains for Life of Loan (if Down Payment is < 10%)

Apply Now Learn More

Closed-End Fixed 2nds (HELOANS)

Starting as low as 8.00%
Loan Amount Range from $50K to $750K
Occupancy Types: Primary, Second Homes, and Investment Properties
640 Minimum Credit Score
CLTV Limits: Typically up to 90% for primary residences
Full Doc, Bank Statements, P&L, or 1099 options
Property Types: SFR, PUD, Townhomes, Warrantable condos
Terms: 20 year fixed, 30 Year Fixed

Apply Now Learn More

VA (Veterans Affairs) Loans

Zero Down Payment – 100% Financing
580 Minimum Credit Score
Loan Terms from 10 to 30 Years
VA Funding Fee based off VA COE (Cert. of Eligibility)
No Maximum Loan Amount

Apply Now Learn More

First-Time Homebuyer Loans

Down Payment Requirements
Conventional – 3% (Can be Gifted)
FHA - 3.50% (Can be Gifted)
VA - 0% (Zero Down Payment)
USDA – 0% (Zero Down Payment)
Down Payment Assistance
Conventional – Up to 3% (Restrictions Apply)
FHA – Up to 3.50% (Restrictions Apply)
Credit Score Requirements
Conventional – 620+
FHA – 500+
VA – 580+
USDA – 640+

Apply Now Learn More

NON-QM Loans

ITIN - Max LTV 85% Purchase Primary/ Rate Term: 80% | Cash-out: 75% LTV | Min FICO 640 Minimum Credit Score | Up to $1.5M Loan Amount
Bank Statements (12, 24 mo. Business or Personal) Up to 90% LTV Primary Home, Min FICO 620
Profit & Loss (Min FICO 660) Max LTV: 90%)
1099 (w/ Min FICO: 600, Max LTV 85%, up to $1.5M Loan Amount or w/ Min FICO 660, Max LTV: 80%, up to $3M Loan Amount)
VOE Only (Min FICO: 600, up to $3M Loan Amount

Apply Now Learn More

Investment Property Loans

15% Down Payment w/ 720 FICO
620 Minimum Credit Score w/ 30% Down
DSCR (Debt Service Coverage Mortgage)
Qualify Based on Rental Income

Apply Now Learn More

Jumbo Loans

As Low as 11% Down Payment
680 Minimum Credit Score
Loan Terms from 10 to 30 Years
No Mortgage Insurance Option
Equate to county loan limits
LTV 90% up to $1.5 million

Apply Now Learn More

Each loan program has its own unique features and requirements, so it's important for homebuyers to research and compare their options carefully to find the loan that best suits their financial needs and goals.