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

06/17/2026

A HELOC (Home Equity Line of Credit) may allow qualified homeowners to tap into their home equity to help finance projects like:
✔️ Pools
✔️ Backyard renovations
✔️ Landscaping
✔️ Outdoor kitchens
✔️ Home improvements

So how does it work?

1️⃣ Review your home equity
We’ll help determine how much equity may be available based on your home’s value and current mortgage balance.

2️⃣ Explore HELOC options
We’ll review rates, payment structure, and what may fit your goals best.

3️⃣ Submit documents
Typically things like income, mortgage statements, and homeowner information.

4️⃣ Appraisal & approval
Some HELOCs may require an appraisal to confirm value.

5️⃣ Access your funds
Once approved, you can begin using the funds for your pool project and improvements.

At Starboard Financial, we help homeowners understand their options clearly and guide them through the process step-by-step.

📩 DM us “POOL” to see if a HELOC may work for your project.

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

That may help create:✔️ Lower monthly payments✔️ More affordability✔️ Easier transition into homeownershipIt’s one strat...
06/15/2026

That may help create:
✔️ Lower monthly payments
✔️ More affordability
✔️ Easier transition into homeownership

It’s one strategy buyers are using in today’s market to make payments more comfortable.

📩 DM “BUYDOWN” to learn more.

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

06/10/2026

💔 Going through a divorce or separation and wondering what happens to the house?

You’re not alone, and you don’t have to navigate it by yourself. 🏡

For many homeowners, refinancing may be one option to:
✔️ Keep the home
✔️ Access equity
✔️ Remove a spouse from the mortgage
✔️ Create a fresh financial start

At Starboard Financial, we understand these conversations can feel emotional and overwhelming. That’s why we focus on providing calm, clear guidance every step of the way — without pressure.

We’ve helped homeowners through difficult life transitions before, and our goal is simple:
Help you understand your options so you can move forward with confidence. 🌵

Every situation is unique, and we’re here to help you review what may make the most sense for your next chapter.

📩 DM us “REFI” for a private mortgage review.

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

The answer might surprise you…It starts with having a PLAN, not trying to figure it all out alone.A lot of buyers think ...
06/08/2026

The answer might surprise you…

It starts with having a PLAN, not trying to figure it all out alone.

A lot of buyers think homeownership has to be confusing or overwhelming, but the right team can help simplify the process step-by-step.

That may include:
✔️ Reviewing your budget
✔️ Exploring low down payment options
✔️ Arizona Down Payment Assistance programs
✔️ Getting pre-approved early
✔️ Building a strategy around YOUR goals

The easiest path to buying a home isn’t about timing the market perfectly, it’s about understanding your options and making informed decisions with confidence.

At Starboard Financial, we’re here to help make mortgage simple, clear, and less stressful.

📩 DM us “PLAN” and let’s talk about your next steps.

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

06/03/2026

One of the biggest myths in homebuying is thinking you need a perfect 800 credit score to buy a home. 💡

The truth?

Many loan programs may allow qualified buyers to purchase with scores much lower than people expect.

Depending on the program, buyers may qualify with:
✔️ FHA loans — sometimes starting around 580+
✔️ Conventional loans — often 620+
✔️ VA & USDA options — flexible depending on the situation

But here’s the important part 👇
Your credit score is only ONE piece of the puzzle.

Lenders also look at:
💰 Income
📉 Debt-to-income ratio
🏦 Savings/assets
📄 Employment history
🏡 Loan program type

The best first step isn’t guessing — it’s having a conversation and building a strategy. 🌵

📩 DM us “SCORE” to see what options may be available for you.
📍Gilbert, Arizona
⭐️
📞 1-855-782-7346
💻 www.starboardfinancial.com
🏠

Another strong month at Starboard Financial! 🎉A huge congratulations to our incredible loan officers for helping familie...
06/01/2026

Another strong month at Starboard Financial! 🎉

A huge congratulations to our incredible loan officers for helping families achieve their homeownership goals and delivering exceptional service throughout May.

🥇 Cassandra Jerdee – $1,705,050
🥈 James Flynn – $1,438,500
🥉 Judi Gustin – $1,049,350

Every loan represents a family, a dream, and a new chapter. Thank you to our entire team for your dedication, professionalism, and commitment to making the mortgage process easier for our clients.

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

A lot of buyers focus ONLY on the home price… but your monthly payment is what impacts your day-to-day lifestyle the mos...
06/01/2026

A lot of buyers focus ONLY on the home price… but your monthly payment is what impacts your day-to-day lifestyle the most. 💡

Sometimes:
✔️ Seller incentives
✔️ Rate buy-downs
✔️ Loan strategy
✔️ Down payment assistance

…can help create a more comfortable monthly payment even if the purchase price is slightly higher.

The “best” deal isn’t always just the cheapest house — it’s the payment and plan that fits YOUR goals long-term. 👏

So what would YOU choose? 👇
💵 Lower payment
🏡 Lower price

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

Thank you so much for the kind words and trust in our team! 🏡 We’re thrilled to hear your experience was smooth from sta...
05/29/2026

Thank you so much for the kind words and trust in our team! 🏡 We’re thrilled to hear your experience was smooth from start to finish. Judi is dedicated to guiding clients every step of the way and making the process as easy as possible.

Congratulations again, and thank you for allowing us to be part of your homeownership journey! ✨

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

05/27/2026

Yes — depending on your situation, refinancing could help you put your home’s equity to work. 👇

✅ Homeowners may refinance to:
• Consolidate high-interest debt
• Pay off credit cards or loans
• Fund home improvements
• Create more monthly cash flow
• Simplify finances into one payment

🏡 If your home has built equity, there may be options available.

💡 The key is making sure the numbers make sense for your goals — not just moving debt around.

📍Gilbert, Arizona
⭐️
📞 1-855-782-7346
💻 www.starboardfinancial.com
🏠
📩 DM “EQUITY” and let’s talk through your options.

Our office will be closed this Memorial Day as we take time to honor and remember the heroes who made the ultimate sacri...
05/25/2026

Our office will be closed this Memorial Day as we take time to honor and remember the heroes who made the ultimate sacrifice for our nation.

Today we reflect with gratitude on the courage, service, and sacrifice of those who gave everything for our freedom. ❤️🤍💙

We will reopen the next business day and look forward to serving you soon. Wishing everyone a safe and meaningful Memorial Day.

📍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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