Starboard Financial

☑️ Recent pay stubs
Typically covering your most recent income period.

☑️ Bank statements
Recent statements for accounts being used in the transaction.

☑️ W-2s and/or tax returns
What’s needed can depend on your employment and income type.

☑️ Government-issued photo ID
Such as a driver’s license or passport.

☑️ Additional income documentation
If applicable, documentation for bonuses, commissions, self-employment, rental income, or other qualifying income.

CAPTION:

Want to make the mortgage process a little easier? Preparation helps. 🔑

Having these documents ready can help your lender understand your financial picture and identify anything else that may be needed early in the process.
And don’t worry if you don’t have everything together yet. That’s what I’m here for.
📲 Thinking about buying? Send me “CHECKLIST” and let’s get you prepared.

📍Gilbert, Arizona
⭐️
📞 1-855-782-7346
💻NMLS # 156931
🏠

Documentation requirements vary by borrower, loan program, income type, and underwriting guidelines.

One of the biggest things holding buyers back is the belief that they need years to save for a down payment.

That’s where Down Payment Assistance (DPA) may help. 🔑

Depending on the program and your qualifications, assistance may be available to help eligible buyers with:

💰 Down payment
🏡 Closing costs
🔑 Upfront homebuying expenses

And DPA isn’t just one program. Arizona buyers may have access to statewide and local options, each with its own income limits, credit requirements, eligible areas, and repayment terms.

Some assistance may be structured as a grant, forgivable loan, deferred second mortgage, or repayable second mortgage.

Before you decide you can’t afford to buy, find out what you may qualify for.

📲 Send me “DPA” and let’s look at your options.

📍Gilbert, Arizona
⭐️
📞 1-855-782-7346
💻NMLS # 156931
🏠
Programs are subject to eligibility requirements, funding availability, program guidelines, and change. Not all borrowers or properties will qualify.

The answer: it depends on your loan type and your reason for refinancing.

Different refinance programs can have different seasoning requirements, meaning you may need to own the home or have your current mortgage for a certain amount of time before you’re eligible.

✨ Conventional: Some refinance options may be available sooner, while cash-out refinances typically have additional seasoning requirements.

🏠 FHA: FHA Streamline and cash-out refinances have specific timing and payment-history requirements.

VA: VA refinances also have seasoning requirements that can depend on the type of refinance.

💰 Cash-Out Refinance: Want to tap into your home equity? These loans often come with stricter ownership and seasoning guidelines.

The biggest takeaway? You don’t always have to wait years to refinance.

If rates have changed, your credit has improved, you want to change loan programs, or you’re curious about using your equity, it may be worth reviewing your options.

📲 DM “REFI” and we will help you determine what options may be available based on your current loan and timeline.

📍Gilbert, Arizona
⭐️
📞 1-855-782-7346
💻NMLS # 156931
🏠

Loan guidelines, eligibility, and seasoning requirements vary by loan program, lender, and borrower qualifications.

If you’re an eligible Veteran, active-duty service member, or surviving spouse, a VA loan can offer some powerful homebuying benefits.

🇺🇸 $0 down payment may be available
💰 No monthly private mortgage insurance (PMI)
🏡 Competitive interest rates
🔑 Flexible credit guidelines compared with some conventional financing
📋 Limits on certain closing costs

And VA loans aren’t just for first-time buyers. Eligible borrowers may be able to use their VA benefit more than once, subject to entitlement and program requirements.

You earned this benefit. Let’s make sure you understand how to use it.

📲 Send me “VA” and let’s talk about your homebuying options.

📍Gilbert, Arizona
⭐️
📞 1-855-782-7346
💻NMLS # 156931
🏠

VA loan eligibility, approval, entitlement, property requirements, and other program guidelines apply. A zero down payment is not guaranteed for every borrower or transaction.

If you’re going through a separation or divorce, your mortgage may be one of the many financial decisions you need to address.

Depending on your situation, options may include:

🏡 Refinancing the existing mortgage
💰 Buying out the other spouse’s interest in the home
🔑 Selling the property
📄 Removing a borrower from the mortgage, if eligible

Every situation is different, and your divorce agreement does not automatically change the names on your mortgage or loan.

If you’re navigating a change in ownership or need to understand your mortgage options, talk with your lender early in the process.

We’re here to help you understand your options with care and no pressure.

📍Gilbert, Arizona
⭐️
📞 1-855-782-7346
💻NMLS # 156931
🏠

Today we're taking a moment to celebrate the hands that build, the trades that show up every day, and the hard work it takes to turn a house into a home.

Our office is closed today and will resume normal business hours tomorrow Tuesday September 8th.

📍Gilbert, Arizona
⭐️
📞 1-855-782-7346
💻NMLS # 156931
🏠

Thank you so much for the kind words! ⭐️ We know how important it is to keep the loan process moving while still making sure you feel informed and supported every step of the way.

We’re so glad Jim and Coral were able to make your closing experience feel quick, smooth, and handled with care. Congratulations again, and thank you for trusting our team with your home financing!

📍Gilbert, Arizona
⭐️
📞 1-855-782-7346
💻NMLS # 156931
🏠

🏈 8 LOANS CLOSED. 8 TOUCHDOWNS FOR FAMILIES. 🏡

What a month for Cassandra Jerdee! 🎉

Congratulations to our Top Loan Officer for August, closing 8 loans and helping 8 families cross the goal line into homeownership. 🔑

Behind every closing is a borrower who trusted us, a team working together, and a goal worth celebrating.

Cass, thank you for continuing to bring your A-game for your clients and partners. 💙

8 closings. 8 families. One incredible month.

Congratulations, Cass! 🏆🏈

📍Gilbert, Arizona
⭐️
📞 1-855-782-7346
💻NMLS # 156931
🏠

If you currently have a loan on your manufactured home, it may be worth exploring whether you qualify to refinance into a permanent mortgage.

Depending on your property, loan type, equity, credit and other qualifications, refinancing could potentially help you:

Move from a manufactured-home loan into permanent mortgage financing
Potentially improve your loan terms
Take advantage of available mortgage programs
Build toward long-term homeownership goals

Own a manufactured home in Arizona? Let's see what refinancing options may be available to you.

📍Gilbert, Arizona
⭐️
📞 1-855-782-7346
💻NMLS # 156931
🏠