Welcome to Five Stars, we are a leading resource offering the latest information on low down payment Jumbo, Conventional, VA, First-time buyer, and DSCR Investor loans.
Whether it’s a home purchase or refinance, Five Stars offers a full range of home financing information to help any borrower in 2026.
If you have questions, please submit the quick Request Contact button at the top of your screen or call us. We are available to serve you 7 days a week, and strive to respond to all submitted requests within minutes during normal business hours.
Home buyers can learn all about the latest requirements and changes for all Government, Conventional, and Jumbo loans. Please be sure to browse the Loan Programs section above to learn more about a particular mortgage product.
Real estate investors will find the latest Debt Service Coverage Ratio (DSCR) Loan requirements pertaining to LTV and credit.
The Government backed FHA, VA, and 100% USDA mortgage programs remain very popular among first-time buyers searching for reduced down payment options. A secure fixed interest rate and little to no down payment are just some of the benefits.
Seasoned home buyers will find the 5% down and 10% down Jumbo loan options of interest. Whether you’re a first-time buyer looking to take advantage of low real estate prices, or a seasoned homeowner looking to upgrade, we are the resource you have been looking for.
Current homeowners looking to refinance their current loan should check into the many different refinance options available today like the FHA streamline, VA IRRRL, and USDA Streamline Assist refinance. These are great home refi options that allow homeowners to take advantage of the low-interest rates.
Many of the new refinance programs permit an unlimited loan to value. These new refinance programs require very little paperwork and often do NOT require a new appraisal, equity, or home inspection.
This is a great opportunity to refinance and possibly save money each month. In addition to lowering their current interest rate, homeowners can often reduce or eliminate monthly mortgage insurance costs at the same time.
Cash-out refinance programs are also available for homeowners that do have equity and want to consolidate debt. FHA cash out, 100% VA cash out, conventional and Jumbo cash-out refinance options up to 90%. Please browse the Loan Programs tab above to read all about the latest purchase and refinance programs available today.
Our goal at Five Stars is to work hard to provide you with the most accurate mortgage information available today. You can rest assured that our partners will work hard to provide you with the lowest interest rates and most flexible mortgage loan programs available today.
Please utilize our website as it contains a wealth of tools and information about mortgage programs & other valuable lending information such as our free mortgage calculators and educational videos.
Questions about the loan application or the qualifying process? Please submit the Request Contact form at the top so we ensure the correct program specialist contacts you ASAP. You can also give us a call 7 days a week at the number above.