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Whether you're buying your first home or your dream home, we have a mortgage solution for you. Get your custom rate quote today.
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Our secure application is a few quick questions that takes about 7-10 minutes to complete and is required for a “Pre-Approval”. Get started today!
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We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.
We are always available to assist you and answer all your questions, so that you can make an informed decision.
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A conventional loan is a type of loan that doesn't have government backing or insurance, unlike FHA, and USDA loans, which are insured by government mortgage insurance.
VA or Veterans Home Loans are Guaranteed by the Government. Veterans are able to refinance their home with a Streamlined VA Loan. When a Veteran refinances their home with the Streamlined Veteran's Home Loan, the closing costs are reduced to a lower amount to benefit the Veteran.
Conventional mortgage loans, whether conforming or non-conforming, usually require a slightly larger down payment or more equity when refinancing than some government loans. However, conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.
Generally, Mortgage Insurance for FHA Loans will stay in effect for the life of the loan. If you could eliminate the monthly Mortgage Insurance payment and apply that money saved to the principal loan amount of your home loan, you could save a substantial amount of interest cost over the life of the loan. Call us and we would be pleased to provide you with a written Interest Savings Analysis. 508 941-5616
As the value of your home increases over time, you are building more value in the equity of your home. When your Equity increases in your home you could be eligible to eliminate the monthly cost of the Mortgage Insurance.
Call one of our Licensed Mortgage Professionals at Star Mortgage for more information on the best options for you. (508) 941-5616
Once you build equity value in your home, you may be able to eliminate the Private Mortgage Insurance. Give us a call and we can explain the steps on how to eliminate the cost of your Private Mortgage Insurance (PMI).
Conventional Mortgage Loans are not covered by government insurance and require PMI - Private Mortgage Insurance when your down payment is less than 20% of the purchase price. Home mortgage lenders usually require that you pay for Private Mortgage Insurance (PMI) to insure the loan, in the event you default on your mortgage payments. Sometimes you may need to pay up to 1-year worth of PMI premiums when you obtain your mortgage loan, which can cost several hundred dollars. The best way to avoid this extra expense is to make a 20% down payment or call us and ask about other loan programs that may not need PMI insurance.
Call one of our Licensed Mortgage Professionals for at Star Mortgage for more information. (508) 941-5616
It's generally a good time to refinance when mortgage rates are lower than the interest rate on your current loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction in the interest rate can trim your monthly mortgage payments. Your savings depends on the loan program interest rate, and other factors, including debt to income, and credit score. A refinance may help improve your household budget substantially. Give us a call and your trusted Star Mortgage Advisor can help you calculate your savings and provide you with a FREE writtenInterest Saving Analysis
Call Today and speak with one of our Licensed Mortgage Professionals at Star Mortgage for more detailed information for your situation. (508) 941-5616
An Appraisal is an estimate of a property's fair market value. It's a document generally required but not always needed depending on the loan program and the amount of equity in your home and other credit and income factors. The Appraisal is performed by an "Appraiser" typically a state-licensed professional who is trained to render expert opinions concerning property values, its location, amenities, and physical conditions.
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Star Mortgage offers a Free no cost or obligation consultation to discuss your home mortgage financing needs.
At Star Mortgage, we provide personalized service, faster pre-approvals, and expert guidance to help you secure your dream home or refinance your current home. We will also show you various interest rate options currently available and help you choose an excellent interest rate that fits your budget. Best of all… You can pick the rate you like best.
We have been providing an excellence of service to our clients for over 35 years. We will show you loan options that most lending institutions do not offer. For over 35 Years we have earned the Trust and Confidence of our Customers every day. Let us show you how we will earn your business
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