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Starboard Financial

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Gilbert, AZ
Starboard Financial

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https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/156931

Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, License 4131142
Starboard Financial is a full-service mortgage lender committed to helping our clients through each stage of the home loan process.

11/02/2026

A HUGE congratulations to Jim Flynn for an incredible October 🎉

Jim closed out the month with over $2 MILLION in loan volume, proving that hard work, dedication, and a commitment to helping families achieve homeownership make all the difference! 🏡👏

🔥 Way to raise the bar, Jim! Your Starboard Financial family is proud to celebrate your success!

Drop a 👏 in the comments to congratulate Jim on an outstanding month!.

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

10/31/2026

Buying a home doesn’t have to be scary.

No tricks, just clear communication, financing options, and a team ready to help you from pre-approval to closing. 🔑

Wishing you a safe and fun Halloween filled with plenty of treats! 🍬🎃

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

10/28/2026

Paying down debt can absolutely be helpful, but making big credit moves right before applying isn’t always the best strategy.

Closing accounts or changing balances can impact your credit profile, and sometimes those funds may be better used toward your down payment, closing costs, or reserves.

As your lender, I can look at the full picture and help you understand which moves may make the biggest difference for your approval.

Before you pay it all off, let’s make a plan.

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

10/23/2026

Think you need a huge down payment before you can buy a home? You may have more options than you realize.

Arizona buyers may have access to programs like HOME Plus, Arizona Is Home, Home in Five, and WISH.

Depending on the program and your qualifications, assistance may help with your down payment and/or closing costs. And you don’t always have to be a first-time homebuyer to have options.

Eligibility can depend on things like:

✔️ Income
✔️ Credit
✔️ Where you’re buying
✔️ Loan program
✔️ First-time buyer status

So the question isn’t just “Do I qualify for DPA?”

It’s “Which program fits my situation?”

Before you spend another year assuming you’re not ready, let’s find out.

📲 Send me a message and let’s look at your options.

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

10/21/2026

Buying your first home doesn’t always mean coming up with a huge down payment on your own.

Depending on your qualifications and where you’re buying, there may be down payment assistance, low down payment loan options, and other programs that can make homeownership more achievable.

The key is knowing which options actually fit your situation.

Before you count yourself out, let’s look at what you may qualify for. 📲

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

10/19/2026

Being self-employed can make qualifying for a mortgage look a little different.

Traditional financing often uses income shown on your tax returns, which means business deductions can affect your qualifying income.

But that doesn’t automatically mean homeownership is off the table.

Depending on your situation, there may be different loan programs and ways to document qualifying income.

Self-employed and thinking about buying? Let’s look at the full picture before you count yourself out. 📲

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

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
🏠

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
🏠

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
🏠

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
🏠

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
🏠

08/03/2026

Thank you so much for your kind words! It was truly a pleasure working with you. Jim and Coral are dedicated to making every transaction as smooth and successful as possible, and we're so glad you had a great experience. We sincerely appreciate your trust and wish you all the best in your next chapter. If you ever need anything in the future, we're always here to help!

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

07/29/2026

Communication matters. 🏡

Buying a home or securing financing can feel overwhelming, which is why our goal is to keep our clients informed every step of the way. From application to closing, we believe great communication and expert guidance make all the difference.

Thank you for trusting our team and allowing us to be part of your homeownership journey! We're grateful for the opportunity to serve you and appreciate your kind words.

Thinking about buying, building, or refinancing? Let's connect and create a plan that works for you.

📩 Send us a message to get started!

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

07/24/2026

It happens more often than you might think—and it doesn't always mean the deal is over.

Here's what can happen next:

✅ The seller lowers the purchase price to match the appraised value.

✅ The buyer brings the difference in cash if they still want to move forward at the agreed price.

✅ The buyer and seller negotiate and meet somewhere in the middle.

✅ The buyer can walk away if the contract includes an appraisal contingency and an agreement can't be reached.

An appraisal coming in low doesn't have to derail your home purchase it just means it's time for everyone to work together and explore the available options.

That's why having an experienced Realtor and lender on your side matters.

📩 Have questions about the homebuying process? Send us a message, we are always happy to help.

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

07/22/2026

Mortgage myths are so common that most buyers don't even realize they're working with misinformation. And by the time they figure it out, it's already cost them.

The homebuying process is complicated enough without making decisions based on something you heard through the grapevine from someone who's never been in the industry. Swipe through for the most common myths we hear. →

Questions about where you actually stand? Send us a message, that's what we are here for!

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

07/20/2026

If you've been waiting for the "perfect time," here's something to think about:

📉 Rental prices in Gilbert have leveled off, giving renters a little more flexibility.

🏠 At the same time, buyers have more homes to choose from than they did during the ultra-competitive market.

So the real question isn't...

"Should I rent or buy?"
It's...
"Which option makes the most sense for my goals and my budget?"
Everyone's situation is different, and the best way to find out is to compare the numbers not the headlines.

If you're curious what buying could look like compared to your current rent, let's run the numbers together.

📩 DM RENT and I'll help you explore your options—no pressure, just information.

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

07/17/2026

The truth?

Many homebuyers purchase with far less than 20% down. Depending on the loan program, some buyers may qualify with as little as 3%, 3.5%, or even 0% down.

The biggest mistake you can make is assuming you don't qualify without ever having the conversation.

You might be closer to homeownership than you think.

📲 Curious what options are available? Let's chat.

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

07/15/2026

Thank you so much for sharing your experience!

Helping first-time homebuyers navigate the process with confidence is what it's all about, and we're thrilled to hear your journey was such a positive one. Buying your first home is a huge milestone, and we're honored to have been part of it.

A special shoutout to Bryce and Tina for providing the guidance, support, and communication that helped make your experience a 10/10! 🏡✨

Congratulations on your new home, and thank you for trusting our team. Wishing you many happy memories in this exciting new chapter!

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

07/13/2026

Were talking about getting pre-approved for a mortgage.

A lot of people think the homebuying process is this long, drawn-out nightmare that takes months just to get started. It’s not.

In just 15 minutes on a quick phone call, we can go from "I wonder if I can even buy a house?" to "Here is exactly how much purchasing power you have in Gilbert."

That 15-minute conversation is the difference between:
❌ Scrolling Zillow as a dreamer
✅ Walking into open houses as a serious, cash-ready buyer

You don’t need to have your tax returns perfectly organized. You don't need to have your down payment sitting in a briefcase. You just need 15 minutes and a willingness to see what’s possible.

Don't let a 15-minute task keep you from building wealth for your family. Let's get you out of the rental cycle and into your own home.

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

07/10/2026

This isn't a luxury home... yet.

Give it 8 months.

What you're looking at today may be nothing more than dirt, survey stakes, and a vision.

But every custom home starts somewhere.

A foundation is poured.
The framing goes up.
The details come together.

And before long, what was once an empty lot becomes someone's dream home.

At Starboard Financial, we help buyers finance the journey from raw land to a custom-built home through construction lending solutions designed to bring your vision to life.

The perfect home may not be on the market.

It may be waiting to be built.

🔨 Thinking about building in Arizona?
📲 Comment BUILD or send us a message to learn more.
📍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
Thursday	8am - 5pm
Friday	8am - 5pm

Website

http://www.starboardfinancial.com/

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