Direct lender pricing and fast pre-approvals for homebuyers and homeowners. Select your path below to get started in minutes.
VP of Retail Lending | Branch Manager support from David De La Torre.
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. 🏠
David De La Torre leads the Laguna Niguel Branch at Star Financial, delivering customized mortgage solutions with a focus on speed, communication, and certainty of close. With extensive experience in purchase, refinance, and investment lending, David and his team guide clients through every step of the mortgage process. Whether helping first-time homebuyers, seasoned investors, or homeowners looking to refinance, David is committed to providing personalized guidance, competitive financing options, and an exceptional client experience from application through closing.
Loan intake & scenario review
Pricing & program guidance
File support through funding
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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Helped by Carlos Medina
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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 David directly for scenarios, pricing, and broker onboarding questions.
Escrow services provided by Lion Heart Escrow Inc., an independent escrow company licensed by the California Department of Financial Protection and Innovation.
Now hiring top-tier Loan Officers in CA, TX, FL, CO, AZ, and ID. Get the tech, benefits, and support you deserve.
California's trusted independent escrow company delivering secure, compliant, and professional closing services for homebuyers, homeowners, Realtors, and mortgage professionals.
Escrow services provided by Lion Heart Escrow Inc., an independent escrow company licensed by the California Department of Financial Protection and Innovation.
Hello! I am the Star Financial assistant for David De La Torre. How can I help you with your mortgage goals 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.
Star Financial (NMLS 1429) is licensed and actively closing loans across California. David De La Torre is a licensed Loan Officer, NMLS #372541.
