Star Financial • Direct Mortgage Lender
David De La Torre
Mortgage Loan Officer · NMLS #372541
Licensed in
- CA
- TX
- FL
Whether you're buying, refinancing, or investing, David provides clear guidance and personalized mortgage solutions from application through closing.
Estimate Your Monthly Payment
- Estimated loan amount
- $520,000
- Principal & interest
- $3,287 /mo
- Property taxes (estimated · 1.25% of price)
- $677 /mo
- Homeowners insurance (estimated · 0.35% of price)
- $190 /mo
Estimated total monthly housing payment
$4,153
Property taxes and homeowners insurance are automatically estimated for illustration purposes. Actual amounts vary by property, location, coverage and taxing authority.
Calculations shown are estimates for illustration only. They are not a loan approval, rate quote, or commitment to lend. Actual payment, rate, taxes, insurance, fees and eligibility depend on underwriting review.
Explore Loan Programs
A quick look at programs David can help you review. Program availability, eligibility and underwriting requirements apply.
Up to 3.5% Down Payment Assistance
Potential 100% Financing
Eligible homebuyers may qualify for assistance toward their required down payment, potentially allowing them to finance 100% of the purchase price.
- Up to 3.5% toward eligible down-payment needs
- Potential 100% financing for qualified borrowers
- Available for eligible homebuyers subject to program guidelines
Potential 100% financing refers to eligible first-mortgage financing combined with available down-payment assistance. Assistance is not guaranteed. Program availability, borrower and property eligibility, credit approval, DU findings, underwriting requirements and available funds apply. Not all applicants qualify.
More Financing Options
FHA Loans
Lower down payment options for qualified buyers.
Conventional Loans
Flexible terms for strong-credit borrowers.
VA Loans
Benefits for eligible veterans and service members.
Jumbo Loans
Financing above conforming loan limits.
Bank Statement Loans
Qualify using business or personal bank deposits.
DSCR Loans
Investor loans qualified by property cash flow.
About David
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.