ATTENTION: First time homebuyers
Get in Touch With Us
Hi, I'm Carlos Medina, your Loan Officer. I'm here to answer your questions, explain your mortgage options, and guide you through every step of the home buying process.
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How to Get Approved
Wondering how it all works? Here are a few of the criteria we take into account.
Down Payment
Depending on the loan program, you may qualify with as little as 3.5% down on a Conventional loan or 3.5% down with an FHA loan. We'll help you find the option that fits your situation.
Credit Score
Most programs require a minimum credit score. FHA loans may qualify starting at 580, while Conventional loans typically require a higher score for the best terms.
Employment History
Lenders generally look for at least 2 years of consistent employment or self-employment to verify stable income and your ability to repay the loan.
Dept-to-Income Ratio
Your monthly debt payments are compared to your income. In many cases, borrowers can qualify with a DTI up to 50%, depending on the loan program and overall profile.
Office: 23330 Mill Creek Dr Ste 250, Laguna Hills, CA 92653
Call 661-212-6636
Email:[email protected]
Site: https://starfinancial.ai
