Star Financial (NMLS 1429) is licensed and actively closing loans across California. Tom Ramirez is a licensed Loan Officer, NMLS #377347.
Featured Homebuyer Program
Need help with your down payment? Ask how you may qualify.
Eligible homebuyers may be able to receive assistance toward their required down payment through available Star Financial programs.
Program availability, terms, funding, and eligibility requirements apply. Not all borrowers will qualify. All loans are subject to credit approval, underwriting guidelines, and applicable program requirements.
Flexible mortgage solutions designed for where you are today and where you're going.
Not a guarantee of assistance.
Eligible borrowers may qualify for down payment assistance depending on program guidelines and eligibility requirements.
Down payment assistance programs are subject to borrower eligibility, property qualifications, available funding, and underwriting approval. This is not a commitment to lend.
Flexible credit and down payment guidelines for buyers who want a lower barrier to entry.
Best for: First-time and credit-building buyers
The core agency program for well-qualified borrowers buying a primary, second, or investment home.
Best for: Strong credit and stable income
A benefit earned through service, with competitive terms for eligible Veterans and active-duty borrowers.
Best for: Veterans, active duty, and eligible spouses
Financing above conforming loan limits.
Learn more about Jumbo LoansAccess equity with a revolving line of credit.
Learn more about HELOCQualify using deposits instead of tax returns.
Learn more about Bank Statement LoansInvestment property financing based on rental income.
Learn more about DSCR LoansAlternative documentation for unique profiles.
Learn more about Non-QM LoansHomeownership paths for ITIN borrowers.
Learn more about ITIN LoansFinancing for rental and portfolio growth.
Learn more about Investor LoansReview options to change your rate or term.
Learn more about RefinancingWe underwrite, process, and fund in-house, so decisions and closings move at the speed of your transaction.
Loan officers, processors, and underwriters who work together on every file from application forward.
FHA, conventional, VA, jumbo, HELOC, bank statement, DSCR, non-QM, and ITIN options under one roof.
One accountable team guiding you through disclosures, underwriting, and the final signing.
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. 🏠
Tom Ramirez is a licensed Star Financial Loan Officer helping homebuyers, homeowners, and investors navigate the mortgage process with clarity and confidence.
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 seven 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.
Now licensed in Tennessee — Nashville, Memphis, Knoxville, and Chattanooga. FHA, VA, Conventional, Jumbo, and Non-QM for Tennessee homebuyers, homeowners, and investors, 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.
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 seven states with deep local expertise and nationwide resources.
Real experiences from borrowers, homeowners, and partners who trusted Star Financial.
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 & TN.
Reach Tom directly for scenarios, pricing, and broker onboarding questions.
Now hiring top-tier Loan Officers in CA, TX, FL, CO, AZ, ID, TN. Get the tech, benefits, and support you deserve.
Hello! I am the Star Financial assistant for Tom Ramirez. 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.
