Welcome to Five Stars, we are a leading resource offering the latest information on low down payment Jumbo, VA Jumbo, Conventional, FHA, VA, and 100% USDA Rural Development mortgage programs. Whether it’s a home purchase or refinance, Five Stars offers a full range of home financing information to help any borrower. 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.
Investors and business owners can read about the latest Commerical Loan Products here.
If you have questions anytime, just submit the quick Request Contact button at the top of your screen or call Ph: 800-871-2636. We are available to serve you 7 days a week, and strive to respond to all submitted requests within 10 minutes during normal business hours.
The Government backed FHA, VA, and 100% USDA mortgage programs remain very popular among first-time buyers searching for reduced down payment options. 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 historic low-interest rates even if the homeowner has seen their property values decline in recent years. “Underwater” or “upside down” mortgages are accepted, as many of the new refinance programs permit unlimited loan to value. These new refinance programs require very little paperwork and often do NOT require a new appraisal, equity or home inspection.
FHA recently implemented some positive changes to their monthly mortgage insurance premiums (PMI / MIP) New homeowners looking to purchase with an FHA loan, and EXISTING homeowners that currently have an FHA loan can read more about the FHA costs reductions here. This is a great opportunity for FHA homeowners to refinance and possibly save money each month. In addition to possibly lowering your current interest rate, you can also lower your monthly mortgage insurance costs at the same time.
Additionally, we provide information on many of the latest cash-out refinance options for homeowners that do have equity. 95% LTV 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 all 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.
Please note as of 2018 we no longer offer assistance on any vacant land, “built on your own lot”, manufactured/ mobile homes, or home equity.
Questions about the loan application or qualifying process? Please submit the Request Contact form at the top so we ensure the correct program specialist contacts you ASAP. The quick request only takes seconds to complete and no personal info is ever required. You can also give us a call 7 days a week at the number above.