Direct Lender
Mortgage Lending in Pico Rivera
Star Financial (St Fin Corp, NMLS 1429) is a direct mortgage lender. Files originated by the Pico Lending Team are underwritten, documented, and funded in house rather than being handed off to a third-party lender, which keeps decisions and timelines close to your loan officer.
Serving Pico Rivera and Southeast Los Angeles County
What a direct lender changes for you
Because underwriting, disclosure, and funding are handled internally, questions about conditions, appraisals, and closing timelines can be answered by the same team originating your loan. That matters most on time-sensitive purchase contracts in Southeast Los Angeles County.
Financing available through the Pico Lending Team
The branch supports conventional, FHA, VA, and jumbo financing, home equity options, and Non-QM structures such as bank statement, DSCR investment property, and asset-based qualification for borrowers whose income is not captured by standard W-2 documentation.
Working with local agents and escrow
The Pico Lending Team coordinates directly with listing agents, escrow, and title throughout the transaction. Star Financial is also affiliated with Lion Heart Escrow, an independently licensed escrow company; use of an affiliate is never a condition of obtaining financing.
Leadership
Meet the Team Leaders
Meet the leadership team supporting the Star Financial Pico Lending Team and its mortgage professionals.
Your Pico Lending Team Loan Officers
Tom Ramirez, Branch Manager (NMLS 377347), leads a team of licensed mortgage professionals serving Pico Rivera and the surrounding communities.
- Claudia Sandez
- Kevin Brown
- Daisy Aussenac
- Jessica L. Duran
- Grace Gomez
- Javier Morales
- Jose Antonio Perez
- Ramon De La Cruz Jr.
Tools
Mortgage Calculators
Estimate payments, affordability, and refinance scenarios before you apply. Results are estimates only.
Affordability Calculator
Estimate a potential home-price range based on income, monthly debts, down payment, rate assumptions, taxes, and insurance.
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Estimated home price range
$428,748 – $466,031
- Estimated loan amount
- $426,031
- Principal & interest
- $2,693
- Estimated taxes
- $427
- Estimated total payment
- $3,270
Results are estimates only and are not a loan approval, rate quote, or commitment to lend. Actual payment, rate, fees, taxes, insurance, and qualification may vary based on credit profile, property type, loan program, occupancy, income, debts, and underwriting requirements.
Frequently Asked Questions
Is Star Financial a broker or a lender?
Star Financial is a direct mortgage lender operating as St Fin Corp, NMLS 1429.
What areas does the Pico Lending Team serve?
The branch serves Pico Rivera and surrounding Southeast Los Angeles County communities, greater Los Angeles, and Orange County.
Do I have to use an affiliated escrow company?
No. Use of any affiliated service provider is optional and is never a condition of receiving financing.
Related Loan Programs
Resources
Mortgage Resources
Helpful guides and checklists to help you prepare for the mortgage process.
First-Time Homebuyer Guide
What to expect from pre-approval through closing, including documentation, timelines, and down payment considerations.
FHA Loan Guide
How FHA financing works, including down payment, mortgage insurance, and general eligibility considerations.
VA Loan Guide
An overview of VA home loan benefits, entitlement, the funding fee, and eligibility for qualified service members and veterans.
Credit Tips for Homebuyers
General credit considerations that may affect mortgage qualification and pricing before you apply.
Understanding Closing Costs
A plain-language look at common closing cost categories, prepaid items, and escrow/impound accounts.
Home Buying Checklist
A step-by-step checklist covering documents, budgeting, offers, inspections, and closing preparation.
Coming Soon
Talk With the Pico Lending Team
Connect with a licensed Star Financial mortgage professional to review your scenario and next steps.
St Fin Corp dba Star Financial · NMLS 1429 · Equal Housing Opportunity. This is not a commitment to lend. All loans are subject to credit approval and company underwriting guidelines.