We can advise and walk you through the entire process of refinancing your home. It doesn’t always make sense to refinance, and we’ll be there to help you understand when refinancing will make sense for you.

Many of our loan officers have been ranked in the top 10 in the entire USA by Mortgage Originator Magazine! You know you’ll be working with a top company when you work with Gold Star Financial Group!

You can call us today or fill out the online Free Consultation when you are ready. We’ll call you to review your options!

As much as 70% of the people that call Gold Star Financial find a program that makes sense. This is probably the best 10 minutes you can spend. Give us a call today!

Consolidate Debt

Gold Star Financial is the home to some of the top loan officers in the country. Why? Because we find solutions and offer the most competative of rates and fees.

We have over 80 banks and brokerages that we work with and can write loans nationally. This means that there is a good possibility that there is a loan with your name, and an approval, written all over it.

• Get out of Debt. Fast.
• We have in-house Certified Financial Planners to help you determine if a refinance may fit into your “bigger picture”. They are required to act in your best interest, and your best interest only.

You may be able to improve your credit by consolidating debt:

• The #1 thing you can do to improve your credit score is to pay your bills on time, every time.
• The #2 thing you can do to improve your credit score is to pay down high-balance credit cards.

Call us to speak wtih a Gold Star Expert today about ways you may be able to improve your credit.

Get Cash from your Home

Use your home equity to your advantage! If have equity in your home, why not put it to good use with a cash-out loan from Gold Star? Here are some of the benefits when you choose a cash-out loan. Access your Home’s Equity to Finance your Needs

• Get money out of your home and use it for anything you want.
• Make repairs or home improvements and increase the value of your home.
• Pay for college tuition, pay off high-interest credit card debt, or buy a vacation home. You can even use it as an alternate source of income.

Senior Homeowners: Get cash from your home slowly with a reverse mortgage!

• We can help homeowners age 62 and over access their home’s equity like cash!
• Fixed and ARM reverse mortgage options.

Keep Your Payments from Going Up

Get Control of Your Monthly Payments

• Many of our clients have used an adjustable-rate mortgage (ARM) to get lower monthly mortgage payments.
• However, interest rates have been rising. If your ARM is reaching the end of its fixed period your mortgage payment could increase significantly. This can be incredibly dangerous if you are not prepared.
• Don’t miss an opportunity to protect yourself, and lock into a new low fixed-rate and payment today.

Find a New Loan that Works for You

• With low long-term interest rates, refinancing to a fixed-rate mortgage can be a smart financial move.
• If you only plan on living in your home for a few more years, refinancing to an ARM may be a good option.
• Our interest-only options can help if your monthly budget is tight.

Lower Your Payment

What is the best way to lower a monthly mortgage payment? A Gold Star Financial expert can answer this question in regards to your specific financial needs. Call today and find out about loan refinance options that will help you obtain a lower monthly mortgage payment.

We can review if a fixed rate, ARM, or interest-only product is best for you. These options provide you with the most flexible options available.

Maximize your Investment Property

Refinance your investment property to lower your monthly mortgage payment and increase your rental cash-flow.

• Use the equity in your rental property to buy an additional property and expand your investment portfolio. Gold Star Financial allows you to invest in properties with up to four units. Our Commercial Division allows properties with unlimited units!
• You could also use the extra money to fund additional investment opportunities, such as starting up a new company or buying high-return stocks or bonds.

Maximize Your ROI (Return on Investment)

• By increasing your cash flow, you’ll have money to make repairs or home improvements and increase the value of your investment property.
• Gold Star Financial allows you to refinance your mortgage at any time with absolutely no pre-payment penalties.

3, 5, and 7 Year Adjustable Loans

Adjustable rate mortgages are an attractive alternative for the borrower that is only planning a short stay in their new home or think rates will be decreasing in the near future. Enjoy a lower interest rate for a fixed period of time (3,5 or 7 years depending on the program). If the payment in the near future is the most important factor, then an adjustable rate mortgage may be a good option for you. Complete with no prepayment penalty, you have the option to pay extra toward principal each month if you choose.

Adjustable rate mortgages are not the right path for everyone and one should do their due diligence planning before accepting this program. Call a mortgage expert today for a free consultation to see how an adjustable rate mortgage will fit in to your life plan.

Our adjustable rate mortgages are Fannie Mae backed and come from FDIC insured banks.

30 Year Gold

The 30 year gold is a conventional loan product that has been the most popular path to home ownership for years. Enjoy the security of this fixed rate loan and never have to worry about a payment adjusting.

This conforming loan has terms and conditions that follow the guidelines set forth by Fannie Mae and Freddie Mac. These two stockholder-owned corporations purchase mortgage loans complying with the guidelines set forth by mortgage lending institutions. By doing so, Fannie Mae and Freddie Mac, like Ginnie Mae, provide a continuous flow of affordable funds for home financing that result in the availability of mortgage credit for the majority of Americans.

Call today to speak with a mortgage professional and see how the 30 year gold can solidify your financial future.

FHA Advantage

FHA Advantage is our version of the stable and popular FHA Loan, created by the Federal Housing Administration. FHA loans require a small down payment and offer the most choices for refinancing, especially with cash out.

• FHA loans don’t have the same income and credit requirements as conventional loans. If you’ve been told your income or credit is too low for a conventional mortgage, take a look at FHA.
• You can refinance up to 97% of your home value; some of that can be cash back. Even if you’re in a conventional mortgage now, you can still refinance to an FHA loan. Use that cash to pay off debt that doesn’t offer a tax incentive.*
• Your down payment can be as low as 3% of the price of the home. Even better, the entire down payment can be a gift from a relative. Or, have up to 10% of your down payment funds contributed with Down Payment Assistance (DPA) through AmeriDream® and Nehemiah®.
• Seller concessions are still allowed, up to 6% of the selling price. Take advantage of the buyer’s market and still get the benefits of FHA’s low rates and secure monthly payments. You don’t have to give up one for the other!
• Our mortgage application and processing uses exclusive technology that cuts the headaches out of getting an FHA loan. We offer online document signing and expedited approvals.