Starboard Financial

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/Ent

ityDetails.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

If you currently have a loan on your manufactured home, it may be worth exploring whether you qualify to refinance into ...
08/26/2026

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
🏠





Thank you for trusting us with one of life's biggest milestones and sharing this review about Cody!Your support and kind...
08/24/2026

Thank you for trusting us with one of life's biggest milestones and sharing this review about Cody!

Your support and kind words mean the world to our team.

Congratulations on your new home!!

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

Your homebuying budget is about more than just the purchase price.Here are the five things you should consider:💰 1. Mont...
08/21/2026

Your homebuying budget is about more than just the purchase price.

Here are the five things you should consider:

💰 1. Monthly Mortgage Payment
Principal + interest are just the beginning.

🏠 2. Property Taxes
Taxes vary by location and should be part of your monthly budget.

🛡️ 3. Homeowners Insurance
Protecting your investment is an important part of homeownership.

🏘️ 4. HOA Dues (if applicable)
Some communities have monthly HOA fees that should be factored into your payment.

💳 5. Your Lifestyle & Other Monthly Expenses
Car payments, student loans, childcare, groceries, and savings goals all matter when deciding what feels comfortable.

The goal isn't to qualify for the highest loan amount...

It's finding a payment that lets you enjoy your home and your life.

At Starboard Financial, we'll help you understand your numbers, explore your loan options, and build a homebuying budget that works for you.

📩 DM "BUDGET" and let's calculate what you can comfortably afford—no pressure, just a personalized plan.

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

There isn't a one-size-fits-all answer—it depends on your goals, your budget, and how long you plan to stay in the home....
08/19/2026

There isn't a one-size-fits-all answer—it depends on your goals, your budget, and how long you plan to stay in the home.

🔒 Fixed-Rate Mortgage

✅ Your interest rate stays the same for the life of the loan.
✅ Predictable monthly principal and interest payments.
✅ Great for buyers planning to stay in their home long-term.
✅ Provides peace of mind if rates increase in the future.

📈 Adjustable-Rate Mortgage (ARM)

✅ Typically starts with a lower introductory interest rate.
✅ The rate can adjust after the initial fixed period.
✅ May be a good fit if you plan to move, refinance, or sell before the adjustment period begins.
✅ Can offer lower initial monthly payments for some borrowers.

So... which one is better?

The best mortgage isn't the one with the lowest advertised rate—it's the one that fits your financial goals and timeline.

At Starboard Financial, we'll explain your options, answer your questions, and help you choose a loan that makes sense for your unique situation.

📩 DM "RATE" to compare your options and find out which mortgage could be the best fit for you.

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

Getting to the closing table doesn't happen by chance—it's the result of experienced professionals working together behi...
08/17/2026

Getting to the closing table doesn't happen by chance—it's the result of experienced professionals working together behind the scenes every step of the way.

At Starboard Financial, you're backed by a team that includes:

✔️ Knowledgeable Loan Officers who help you choose the right loan.
✔️ In-house Processors who keep your loan moving efficiently.
✔️ In-house Underwriters who review your loan with speed and accuracy.
✔️ A team that's committed to clear communication from application to closing.

And while we're proud to call Gilbert, Arizona home, our expertise reaches far beyond our local community.

🌎 Our loan officers are licensed across multiple states, allowing us to help buyers, homeowners, and Realtor partners in several markets while still providing the personalized service of a local mortgage company.

Whether you're purchasing your first home, building your dream home, refinancing, or buying your next investment property, you don't have to navigate the process alone.

We're here to make mortgages simple—with local service, experienced professionals, and a team that's invested in your success.

📩 Ready to get started? Contact Starboard Financial today and experience the difference a dedicated team can make.

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

One of the biggest mistakes first-time buyers make is falling in love with a home before getting pre-approved.Here's why...
08/14/2026

One of the biggest mistakes first-time buyers make is falling in love with a home before getting pre-approved.

Here's why it matters:

✔️ You'll know exactly what you can comfortably afford.
✔️ Sellers take pre-approved buyers more seriously.
✔️ You'll be ready to make an offer when the right home hits the market.
✔️ You'll avoid the disappointment of finding out a home is outside your budget.

A pre-approval isn't just a piece of paper—it's your roadmap to a smoother homebuying experience.

At Starboard Financial, our local team will walk you through every step, answer your questions, and help you find the loan program that fits your goals.

📥 Want to feel more prepared? Download our FREE First-Time Homebuyer Checklist!

Comment "CHECKLIST" or send us a DM, and we'll send it your way.

📍Gilbert, Arizona
⭐️
📞 1-855-782-7346
💻 www.starboardfinancial.com
🏠
#

📌 A small change in interest rates doesn't automatically mean you should wait or rush.The right time to buy depends on y...
08/12/2026

📌 A small change in interest rates doesn't automatically mean you should wait or rush.

The right time to buy depends on your budget, your goals, and the loan program that's right for you.

Whether you're:
🏡 Buying your first home
💰 Looking into Down Payment Assistance
🇺🇸 Using a VA or USDA loan
🔨 Building your dream home
💎 Financing a luxury property

We'll help you understand your options and what today's market means for your monthly payment.

Every buyer's situation is different, which is why a personalized quote is much more valuable than a headline.

📩 DM us "RATE" for today's personalized mortgage options and let's build a plan that works for you.

📍Gilbert, Arizona
⭐️
📞 1-855-782-7346
💻 www.starboardfinancial.com
🏠

Every homeowner starts somewhere—and having the right plan makes all the difference.Before you start scrolling listings,...
08/10/2026

Every homeowner starts somewhere—and having the right plan makes all the difference.

Before you start scrolling listings, make sure you've checked these important first steps:

✔️ Know where your credit stands.
✔️ Create a realistic budget.
✔️ Get pre-approved before you shop.
✔️ Find a home that fits your goals.
✔️ Make a confident offer.
✔️ Get the keys and celebrate! 🔑

At Starboard Financial, we're here to guide you from your first question to closing day. Whether you're a first-time buyer, using Down Payment Assistance, VA, USDA, or another loan program, our local team is here to make the mortgage process simple.

✨ Save this checklist for later and share it with someone who's thinking about buying their first home!

📩 Ready to take the next step? Send us a message and let's make your homeownership goals a reality.

📍Gilbert, Arizona
⭐️
📞 1-855-782-7346
💻 www.starboardfinancial.com
🏠

One of the biggest misconceptions we hear is that a VA loan is too complicated or takes too long. The truth? For many el...
08/07/2026

One of the biggest misconceptions we hear is that a VA loan is too complicated or takes too long. The truth? For many eligible veterans and active-duty service members, it's one of the most powerful home loan benefits available.
Depending on your eligibility, a VA loan may offer:
✅ 0% down payment
✅ No monthly mortgage insurance (PMI)
✅ Competitive interest rates
✅ Flexible credit guidelines
✅ The ability to buy sooner than you may have thought
If you've served our country, make sure you're taking advantage of the benefits you've earned.
As your local Gilbert lender, I'm here to answer your questions, explain your options, and help make the process as smooth as possible.
📩 DM "VA" and let's talk about what your VA loan benefits could look like.
VA loan eligibility and program guidelines apply.

📍Gilbert, Arizona
⭐️
📞 1-855-782-7346
💻 www.starboardfinancial.com
🏠

08/07/2026

The answer is... yes, some buyers can.

Depending on your eligibility, programs like VA and USDA loans may allow qualified buyers to purchase a home with 0% down.

That doesn't mean buying a home is completely free there are still closing costs and qualification requirements but it does mean you may not need years of saving for a large down payment.

Every buyer's situation is different, which is why it's worth having a conversation before assuming you need a huge down payment.

As your local Gilbert lender, we'll walk you through your options and help you find the loan that fits your goals not just the one you've heard about online.

📩 DM "ZERO" and let's see if you qualify for a zero-down loan or another program that could help you become a homeowner.

📍Gilbert, Arizona
⭐️
📞 1-855-782-7346
💻 www.starboardfinancial.com
🏠

Address

4145 E Baseline Road
Gilbert, AZ
85234

Opening Hours

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

Telephone

+14808979777

Website

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