Billion Mortgage Loans
BUILD THE FUTURE YOU WANT
Stress-Free Mortgage Process
Made Simple for You
Experience a stress-free mortgage journey with Sistar Mortgage. Our simplified process ensures home mortgage loans are readily available. Benefit from competitive rates and straightforward requirements, making homeownership a reality.
Discover mortgage loans that meet your requirements hassle-free. Experience simplicity at its finest.
Explore Different Loan Programs That Sistar Mortgage Offers
Check out the different types of loan programs available, and choose the one that best suits your needs.
Where Possibility Begins. Get Your Mortgage Authorized Today.
Experience Home Financing Like Never Before
Sistar Mortgage is your trusted mortgage partner with over 22 years of lending expertise. Trust our knowledge, reliability, and commitment to guide you home.
-
Secure and Safe
Your financial well-being is our priority, ensuring a protected mortgage journey at every step.
-
Price Transparency
Clear, upfront communication empowers you with a deep understanding of your mortgage terms.
-
Loan & Service Support
We're by your side from application to closing, providing guidance and assistance throughout.
Rates and Terms Tailored Just for You
At Sistar Mortgage, we're not just a home financing company – we're your partners in realizing homeownership dreams. Our dedicated team ensures your residential needs and requirements are precisely met, with rates and terms tailored exclusively for you.
Calculate Yourself22+ Years of Experience
Dedicated Support
Transparent Process
$13.8
22+
Years of Experience
5-
star reviews by clients
What Our Clients Have To
Say About Us!
“I felt Sistar Mortgage was an excellent fit for me. When they went through the procedure and gave me the specifics, the staff was kind and patient with me. The loan officer was kind, considerate, and thorough in his contacts.”
Ethan H
Great Experience
“They have excellent loan officers who educated me about loans. They’re extremely helpful in obtaining the best financing for us and getting us approved and ready to buy. Many thanks to Sistar Mortgage and Team!”
Benjamin Cooper
Team of Professionals
“We thoroughly recommend Sistar Mortgage’s loan officer and loan processor. Begin the mortgage lenders for refinancing. They made the loan application procedure simple.The process was as easy-going as we could have hoped. I appreciate everything.”
Olivia Miller
Highly Recommended
Frequently Asked Questions
Sistar Mortgage offers a full range of home loan programs, including Conventional, FHA, VA, USDA, Jumbo, Construction, Renovation, Reverse Mortgage, Bank Statement, and Investment Property loans. With 22+ years of lending experience and $13.8 billion in funded loans, we match buyers to the right program for their credit, income, and goals.
Our minimum credit score is 580, which qualifies for FHA financing with a 3.5–10% down payment. Conventional loans typically require a 620 or higher. VA and USDA loans offer flexibility for borrowers below 640. If your score needs improvement, our loan officers can help you create a plan to qualify faster.
It depends on your loan type. VA and USDA loans offer 0% down for eligible buyers. FHA loans require as little as 3.5% down with a 580+ credit score. Conventional loans start at 3% for first-time buyers. Jumbo and investment property loans typically require 10–25% down. We'll help you identify the lowest down payment option you qualify for.
The process starts with prequalification, where we review your income, credit, and goals to determine your borrowing power. Next, you'll receive a prequalification letter to shop with confidence. Once you find a home, we move to full application, appraisal, underwriting, and closing, typically 30–45 days. Our loan officers guide you every step of the way.
The right loan depends on your credit score, income type, down payment, location, and whether you're a veteran or first-time buyer. FHA is ideal for lower credit or small down payments. VA and USDA are best for eligible buyers who want zero down. Conventional loans suit buyers with stronger credit. Bank Statement loans work well for self-employed borrowers. Contact us for a personalized recommendation.
Mortgage rates change daily based on market conditions, including bond yields, inflation, and Federal Reserve policy. Your personal rate is also influenced by your credit score, loan type, down payment, property type, and loan term. Borrowers with higher credit scores and larger down payments consistently receive the most competitive rates. Contact us today for a current rate quote tailored to your situation.
Yes. FHA loans allow credit scores as low as 580 (with 3.5% down) or even 500 (with 10% down). Some non-QM and Bank Statement programs also work with lower credit profiles. Our team specializes in finding solutions for buyers who don't fit the conventional mold, even if you've been turned down elsewhere. Give us a call to find out your options.
Most home purchases close within 30 to 45 days from application. The timeline depends on the loan type, appraisal scheduling, and how quickly documentation is gathered. Government-backed loans (FHA, VA, USDA) may take slightly longer due to specific appraisal requirements. Having your documents ready upfront, pay stubs, tax returns, and bank statements, is the single best way to speed up your closing.
Media & Articles
Get insights on the latest trends and updates in the mortgage industry.
What Are Closing Costs And How Much Do You Pay?
When you're buying a home, the down payment is the number everyone talks about. Save 20%. Get to 10%. Can you do 3.5%?
Refinancing: What Is It and How Does It Work?
You already have a mortgage. But the loan you signed two, five, or ten years ago may not be the ...
6 Ways To Refinance With Bad Credit
You already have a mortgage. But the rate, term, or monthly payment no longer works for you, and your credit ...