Direct lender pricing and fast pre-approvals for homebuyers and homeowners. Select your path below to get started in minutes.
Expert support from the Star Financial Team. Licensed in CA, TX, FL, CO, AZ, and ID · NMLS 1429
Every milestone is mapped out so the journey feels simple, transparent, and achievable.
We learn your goals and map the right loan path for you.
Apply securely online in just a few simple minutes.
Review and e-sign your loan disclosures with clarity.
We verify documents and order your appraisal.
In-house underwriters review and validate every detail.
Final approval is issued — you're ready to sign.
Your loan funds and the home officially becomes yours.
Keys in hand — welcome to your new front door. 🏠
We learn your goals and map the right loan path for you.
Apply securely online in just a few simple minutes.
Review and e-sign your loan disclosures with clarity.
We verify documents and order your appraisal.
In-house underwriters review and validate every detail.
Final approval is issued — you're ready to sign.
Your loan funds and the home officially becomes yours.
Keys in hand — welcome to your new front door. 🏠
ST FIN CORP, doing business as Star Financial, has helped homeowners, homebuyers, and investors finance their goals since 2002. As a direct lender — not a broker — we control the loan from application through funding, delivering clarity, speed, and certainty at every step.
Founded in 2002, Star Financial was built on a simple idea: borrowers and broker partners deserve a lender that answers the phone, owns the file, and closes on time. Two decades later, that principle still guides every loan we underwrite.
We've grown from a single-state retail lender into a multi-state direct lender serving California, Texas, Florida, Colorado, Arizona, and Idaho — adding talent, technology, and capital markets depth without losing the white-glove service our earliest clients still rely on.
Today Star Financial originates conforming, jumbo, FHA, VA, DSCR, bank-statement, and non-QM loans for purchase, refinance, and investor clients — backed by in-house underwriting and our own funding lines.
We underwrite, process, and fund in-house — no middle layers, no surprise overlays. Decisions move at the speed of your transaction.
Senior underwriters work alongside loan officers from intake to clear-to-close, delivering certainty on complex files conventional lenders defer.
Modern technology, disciplined operations, and dedicated processing teams routinely close purchase loans inside competitive timelines.
Licensed across CA, TX, FL, CO, AZ, and ID with disciplined expansion into new states as our broker and consumer footprint grows.
Loan officers, processors, and leadership operate as one team — accountable to borrowers, partners, and the communities we serve.
Equal Housing Lender. NMLS #1429. Every file is documented, every disclosure on time, every borrower treated with respect.
Star Financial is actively licensed across CA, TX, FL, CO, AZ, and ID — with state-by-state compliance, dedicated operations capacity, and a deliberate roadmap for expansion. Every state we enter, we enter fully staffed and fully accountable.
Star Financial's executive team brings decades of combined experience across origination, capital markets, secondary, and compliance. We invest in our people, our technology, and our partners — because mortgage lending done right is a long game.
Our culture is direct, accountable, and consumer-first. Every team member, from loan officer to underwriter to closer, understands they're handling one of the most important financial decisions a family will ever make.
We pair seasoned underwriters with a modern technology stack — LendingPad LOS, Optimal Blue pricing, AI-assisted scenario structuring, and integrated borrower communication — to remove friction without removing accountability.
The result: clearer disclosures, faster conditions, and predictable closings — for borrowers, broker partners, and real-estate professionals alike.
Star Financial continues expanding nationwide to better support brokers, loan officers, and homeowners.
Star Financial (NMLS 1429) is licensed as a direct mortgage lender in six states. Pick a state to see the programs and local advantages we bring to brokers and loan officers on the ground.
Expertise in CA High-Balance and Non-QM solutions for high-cost markets — Los Angeles, Orange County, San Diego, and the Bay Area. Jumbo, Bank Statement, P&L, and Asset Depletion built for California's self-employed and high-net-worth borrowers.
Expertise in CA High-Balance and Non-QM solutions for high-cost markets — Los Angeles, Orange County, San Diego, and the Bay Area. Jumbo, Bank Statement, P&L, and Asset Depletion built for California's self-employed and high-net-worth borrowers.
Specializing in Texas 50(a)(6) Cash-Out Refinances and fast investor closings. Deep familiarity with TX homestead rules, the 12-day notice, and DSCR for the Austin, Dallas–Fort Worth, Houston, and San Antonio investor markets.
Streamlined condo-approval process and DSCR loans for FL vacation rentals. Warrantable and non-warrantable condos, foreign national, and short-term rental (Airbnb/VRBO) financing across Miami, Orlando, Tampa, and the Palm Beaches.
Aggressive Conventional and Government pricing for the mountain region — Denver, Boulder, Colorado Springs, and Fort Collins. FHA, VA, and Conventional priced to win, plus Jumbo and Non-QM for the Front Range and resort markets.
Aggressive Conventional and Government pricing for the desert region — Phoenix, Scottsdale, Tucson, and Mesa. FHA, VA, and DSCR for the high-velocity AZ purchase and investor markets, with 24-hour underwrite turn times.
Aggressive Conventional and Government pricing across Idaho — Boise, Meridian, Nampa, and Idaho Falls. FHA, VA, Conventional, and Non-QM for the fast-growing Treasure Valley purchase and investor markets, with 24-hour underwrite turn times.
Yes. We originate Texas Section 50(a)(6) Cash-Out Refinances as a direct lender. Our in-house underwriting handles TX homestead rules, the mandatory 12-day notice, and the 80% LTV cap, with 24-hour initial underwrites.
DSCR loans in Florida start at a 1.0 DSCR (with sub-1.0 options), 20% down on purchases, 660+ FICO, and accept short-term rental income via market rent or 12-month STR history. Warrantable and non-warrantable condos eligible.
Yes. We specialize in CA High-Balance Conforming, Jumbo, and Non-QM (Bank Statement, P&L, Asset Depletion, DSCR) for high-cost California markets — purpose-built for self-employed and complex-income borrowers.
Yes. As a direct lender we offer aggressive Conventional, FHA, and VA pricing across CO and AZ, with the same 24-hour underwrite turn times we deliver in our other states.
Absolutely. Approved brokers can submit files in any of our six licensed states (CA, TX, FL, CO, AZ, ID) under one TPO relationship, with a single AE and a single submission process.
Answer a few quick questions and we'll recommend a loan program that may fit your situation.
Buying or refinancing a home should feel clear and confident — not confusing. Our team makes the entire mortgage experience simple, fast, and personal.
Get pre-approved in as little as 24 hours with our streamlined digital mortgage process.
We underwrite, process, and fund in-house — no middle layers, no surprise overlays.
Senior underwriters work alongside loan officers from intake to clear-to-close.
Access grants, silent seconds, and DPA options to reduce your out-of-pocket costs at closing.
Founded in 2002, we've helped thousands of families navigate mortgages with confidence.
Serving borrowers and brokers across six states with deep local expertise and nationwide resources.
Real experiences from borrowers, homeowners, and partners who trusted Star Financial.
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Join the borrowers who trusted Star Financial. Get a fast, no-obligation review today.
“At Star Financial, our mission is to help families, homeowners, and buyers make confident mortgage decisions with the right guidance, competitive loan options, and a team that cares about getting them to the finish line. Whether you are buying your first home, refinancing, or exploring your options, our team is here to help you move forward with confidence.”
The people behind Star Financial's direct lending platform — committed to helping borrowers and partners grow.
Licensed direct mortgage lender serving CA, TX, FL, CO, AZ & ID.
Reach our expert team for general inquiries, scenarios, and multi-state licensing questions.
Now hiring top-tier Loan Officers in CA, TX, FL, CO, AZ, and ID. Get the tech, benefits, and support you deserve.
Hi, I'm the Star AI Assistant — Star Financial's official mortgage helper. I can guide you through purchase loans, refinance questions, pre-approvals, loan program options, and connecting with a licensed loan officer. How can I help you today?
AI responses are for general guidance only and are not a loan approval, underwriting decision, commitment to lend, or agency/investor guideline determination. Final eligibility is subject to Star Financial underwriting review, investor guidelines, agency rules, credit approval, and complete documentation.
