Starboard Financial

Call Website

Starboard Financial Licensed by the Department of Financial Protection & Innovation under the California Residential Mortgage Lending Act, License 4131142
NMLS # 156931| BK-0910725

Starboard Financial: Corporate NMLS 156931 | BK-0910725 |

AZ: BK-0910725
CA: 4131142, Licensed by the Department of Financial Protection & Innovation under the California Residential Mortgage Lending Act
ID: MBL-7122
IL: MB.6850031
NM
OR: 156931
TX
UT: 12333082
WA: CL-156931 TX
www.starboardfinancial.com
https://starboardfinancial.com/about-us/
https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/156931



Licensed by the Department of Financial Protection & Innovation under the California Residential Mortgage Lending Act, License 4131142


CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE, SIGN AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE DOWNLOADED AND PRINTED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/156931


ID Idaho Mortgage Broker/Lender License MBL-7122

IL: Illinois Residential Mortgage Licensee MB.6850031

NM New Mexico Mortgage Loan Company License

OR Oregon Mortgage Lending License: 156931


UT Utah DRE Mortgage Entity License 12333082

WA Washington Consumer Loan Company License CL-156931

Our philosophy is simple; Underwrite first - Close fast! Starboard Financial is an industry-leading mortgage Direct Lender. We underwrite and fund our own loans so you can go house hunting with confidence when we tell you that "You're Pre-qualified!"

We offer a broad spectrum of mortgage products that allow us to serve all our clients' home financing needs. From Jumbo to FHA, Conventional to VA and USDA, we have the loan for you. Experience Mortgage Lending – The Right Way – with Starboard Financial. Starboard Financial is an Equal Housing Lender. https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/156931

Gift funds can be a great way to help with your home purchase, but there are rules around how that money is documented.D...
10/16/2026

Gift funds can be a great way to help with your home purchase, but there are rules around how that money is documented.

Depending on your loan program, your lender may need to verify:

✔️ Who the gift is coming from
✔️ Your relationship to the donor
✔️ That the funds are truly a gift, not a loan
✔️ Where the money came from
✔️ Documentation showing the transfer

The biggest tip? Talk to your lender before moving any money.

A quick conversation upfront can help avoid unnecessary documentation or surprises during underwriting.

Planning to use gift funds? Let’s get the game plan together first.

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

Think you need 10% or 20% down to buy your first home? You may have more options than you realize.With an FHA loan, qual...
10/14/2026

Think you need 10% or 20% down to buy your first home? You may have more options than you realize.

With an FHA loan, qualified buyers may be able to purchase with as little as 3.5% down.

FHA financing can be a great option for buyers who are:

🏡 Purchasing their first home
💰 Working with a smaller down payment
📈 Building or improving their credit profile
🔑 Ready to stop renting and explore homeownership

You don’t need to have everything figured out before talking to a lender. That’s what we’re here for.

Wondering what 3.5% down could look like for your budget? Let’s run the numbers.

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

Manufactured home financing can come with different requirements, timelines, and moving pieces, especially when land and...
10/12/2026

Manufactured home financing can come with different requirements, timelines, and moving pieces, especially when land and site improvements are involved.

That’s where an experienced construction lending team matters.

From underwriting and processing to construction draws, our team keeps the process in-house, helping provide clear communication and fewer handoffs throughout your project.

Buying land and a manufactured home in Arizona? Let’s talk about your financing options.

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

Thank you so much for the review Morris family.We are glad we could make the process quick and easy for you.We truly app...
10/09/2026

Thank you so much for the review Morris family.

We are glad we could make the process quick and easy for you.

We truly appreciate you trusting Bryce and our team with your home financing.

Congratulations again!

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

With a construction loan, timing matters, especially when contractors are waiting on the next draw.That’s why having an ...
10/07/2026

With a construction loan, timing matters, especially when contractors are waiting on the next draw.

That’s why having an experienced in-house construction team makes a difference.

Our team understands the draw process, communicates directly, and helps keep you informed about what’s needed for the next stage of your build.

Less guessing. Better communication. A team that understands construction financing from the ground up.

Building in Arizona or California? Let’s talk construction financing. 🏡🔨

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

🏆 Congratulations to our September Top Loan Officer, Bryce Nerland!Another great month in the books! 👏 Bryce continues t...
10/02/2026

🏆 Congratulations to our September Top Loan Officer, Bryce Nerland!

Another great month in the books! 👏 Bryce continues to show up for his clients, referral partners, and our team, and we’re excited to recognize him as our Top Loan Officer for September.

Congratulations, Bryce! Keep up the great work!

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

At Starboard Financial, having in-house underwriting means the team reviewing your loan is right here with us.Why does t...
10/02/2026

At Starboard Financial, having in-house underwriting means the team reviewing your loan is right here with us.

Why does that matter?

✔️ More direct communication
✔️ Questions can be addressed quickly
✔️ Fewer layers between departments
✔️ Better visibility throughout the loan process
✔️ A team working together toward your closing date

From application to clear to close, our goal is to keep the process moving and keep you informed along the way.

Buying a home? Our team is ready to help you get started. 🔑

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

Buying a new construction manufactured home is a little different from buying an existing home, but it can open up some ...
09/30/2026

Buying a new construction manufactured home is a little different from buying an existing home, but it can open up some exciting possibilities.

Depending on your project and financing, the process may include:

🏡 Choosing your manufactured home and floor plan
🌵 Purchasing land or using land you already own
📋 Planning site preparation, permits, utilities, and installation
💰 Exploring construction financing options
🔨 Completing construction and required inspections
🔑 Converting to permanent financing, depending on the loan structure

And if you already own your land, the equity in that land may potentially help toward the financing requirements, depending on the loan program and qualifications.

The key is getting your lender involved early, ideally before purchasing the home or land, so you understand what your financing requires.

Manufactured doesn’t have to mean cookie-cutter. It can mean new, customized, and built around the life you want.

📲 Thinking about land + a manufactured home? Send me “BUILD” and let’s talk about the financing process.

📍Gilbert, Arizona
⭐️
📞 1-855-782-7346
💻NMLS # 156931
🏠
Loan programs, land equity requirements, property eligibility, construction guidelines, and borrower qualifications vary.

Before you get to the closing table, one of the most important documents you’ll receive is your Closing Disclosure, also...
09/28/2026

Before you get to the closing table, one of the most important documents you’ll receive is your Closing Disclosure, also known as the CD.

Your CD provides the final details of your mortgage, including:

🏡 Loan terms
💰 Interest rate and monthly payment
🧾 Closing costs and fees
💵 Cash needed to close
🏦 Taxes, insurance, and applicable prepaids
🔑 Other important loan details

Don’t just open your Closing Disclosure and scroll to the bottom. 👀

Take the time to review it carefully and compare it with your Loan Estimate. If something looks different or you have questions about a fee, ask your lender before closing day.

For many mortgage transactions, borrowers must receive the initial Closing Disclosure at least three business days before consummation, giving you time to review the final loan details.

Closing day should feel exciting, not confusing. Know your numbers before you sign.

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

*Timing and disclosure requirements can vary depending on the transaction and applicable regulations.

Down payment assistance can be a great option for eligible buyers, but small mistakes can create delays.Here are a few t...
09/25/2026

Down payment assistance can be a great option for eligible buyers, but small mistakes can create delays.

Here are a few things to watch for:

1️⃣ Not providing complete documentation
Missing income or asset documents can slow down the process.

2️⃣ Making large financial changes
New credit, large deposits, or major purchases can affect your qualification.

3️⃣ Waiting until you find a home to ask about DPA
Understanding your options early can help you shop with a realistic budget.

4️⃣ Assuming every DPA program is the same
Eligibility, income limits, purchase price limits, and program requirements can vary.

5️⃣ Not communicating with your lender
If something changes financially, let your lender know before making a move.

💰 Thinking about buying with down payment assistance? Let's talk about your options before you start shopping.

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

Address

4145 E Baseline Road
Gilbert, AZ
85234

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm

Telephone

+14808979777

Website

Alerts

Be the first to know and let us send you an email when Starboard Financial posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category