Welcome to the Pico Lending Team
Personalized Mortgage Guidance From a Local Team
Welcome to the Star Financial Pico Lending Team. Our mission is to provide exceptional service, trusted guidance, and personalized mortgage solutions for every client. Whether you're purchasing your first home, refinancing, or investing, our team is committed to helping you achieve your homeownership goals with professionalism and care.
Leadership
Meet the Team Leaders
Meet the leadership team supporting the Star Financial Pico Lending Team and its mortgage professionals.
Our Team
Meet Your Local Mortgage Experts
Connect with a Star Financial mortgage professional for personalized guidance on your home financing goals.
Claudia Sandez
Loan Officer
NMLS 30980
Kevin Brown
Loan Officer
NMLS 268113
Daisy Aussenac
Loan Officer
NMLS 1125938
Jessica L. Duran
Loan Officer
NMLS 1838721
Grace Gomez
Loan Officer
NMLS 380255
Javier Morales
Loan Officer
NMLS 2322296
Jose Antonio Perez
Certified Mortgage Advisor
NMLS 2036675
Ramon De La Cruz Jr.
Loan Officer
NMLS 1981194
Secure online mortgage application powered by Star Financial.
Branch Support
Operations & Support Team
Star Financial's corporate Operations Team supports the Pico Lending Team and works closely with our loan officers, borrowers, escrow, title, and underwriting partners to help ensure a smooth mortgage process from application through closing.
Susie Hernandez
Loan Officer Assistant
Leslie Alvarez
Loan Officer Assistant
Branch Capabilities
Mortgage Solutions From the Pico Lending Team
Explore mortgage solutions available through Star Financial based on borrower eligibility and program requirements.
3.5% Down Payment Assistance
Not a guarantee of assistance.
Eligible borrowers may qualify for down payment assistance depending on program guidelines and eligibility requirements.
- Ask how you may qualify
- Purchase only
- FHA eligible programs
- Subject to underwriting
Down payment assistance programs are subject to borrower eligibility, property qualifications, available funding, and underwriting approval. This is not a commitment to lend.
FHA Loans
Flexible credit and down payment guidelines for buyers who want a lower barrier to entry.
- Down payments as low as 3.5%
- Flexible credit guidelines
- Gift funds allowed toward down payment
Best for: First-time and credit-building buyers
Conventional Loans
The core agency program for well-qualified borrowers buying a primary, second, or investment home.
- As little as 3% down for eligible buyers
- Mortgage insurance removable with equity
- Primary, second home, and investment eligible
Best for: Strong credit and stable income
VA Loans
A benefit earned through service, with competitive terms for eligible Veterans and active-duty borrowers.
- $0 down for eligible borrowers
- No monthly mortgage insurance
- Competitive VA interest rates
Best for: Veterans, active duty, and eligible spouses
Jumbo Loans
Financing above conforming loan limits.
Learn more about Jumbo LoansHELOC
Access equity with a revolving line of credit.
Learn more about HELOCBank Statement Loans
Qualify using deposits instead of tax returns.
Learn more about Bank Statement LoansDSCR Loans
Investment property financing based on rental income.
Learn more about DSCR LoansNon-QM Loans
Alternative documentation for unique profiles.
Learn more about Non-QM LoansITIN Loans
Homeownership paths for ITIN borrowers.
Learn more about ITIN LoansInvestor Loans
Financing for rental and portfolio growth.
Learn more about Investor LoansRefinancing
Review options to change your rate or term.
Learn more about RefinancingWhy Choose the Star Financial Pico Lending Team
Built for the borrower. Engineered for the close.
Direct Lender
We underwrite, process, and fund in-house, so decisions and closings move at the speed of your transaction.
Experienced Mortgage Team
Loan officers, processors, and underwriters who work together on every file from application forward.
Broad Loan Solutions
FHA, conventional, VA, jumbo, HELOC, bank statement, DSCR, non-QM, and ITIN options under one roof.
From Application to Closing
One accountable team guiding you through disclosures, underwriting, and the final signing.
Area Served
Serving Pico Rivera and Surrounding Communities
The Star Financial Pico Lending Team proudly serves homebuyers, homeowners, investors, and real estate professionals throughout Southeast Los Angeles County, greater Los Angeles, and Orange County.
- Pico RiveraLos Angeles County
- WhittierLos Angeles County
- DowneyLos Angeles County
- MontebelloLos Angeles County
- BellflowerLos Angeles County
- NorwalkLos Angeles County
- CommerceLos Angeles County
- Los Angeles CountyCalifornia
- Orange CountyCalifornia
Communities listed are areas we lend in. Star Financial does not maintain a physical office in every city listed.
Tools
Mortgage Calculators
Explore helpful tools to estimate payments, affordability, refinancing scenarios, and other home financing considerations.
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.
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
Serving Southern California
Local Mortgage Expertise With the Resources of a Direct Lender
The Star Financial Pico Lending Team works with homebuyers, homeowners, investors, and real estate professionals throughout Southern California.
Ready to Get Started?
Whether you're buying, refinancing, investing, or exploring your mortgage options, connect with the Star Financial Pico Lending Team.
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.