Starboard Financial
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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/#Licensing
https://www.nmlsconsumeraccess.org/Ent
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
🏠
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
🏠
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
🏠
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
🏠
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.
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
🏠
05/22/2026
Thank you so much for your heartfelt words. We’re truly grateful you trusted Todd and our team during such an important time in your life. Buying a home can feel overwhelming, and we’re so glad Todd was able to give you the confidence, guidance, and support you needed to take that next step. Going above and beyond for our clients is what we strive for, and it means so much to know his dedication made a difference.
Congratulations on your homeownership journey, and thank you again for allowing us to be part of it! 🏡✨
📍Gilbert, Arizona
⭐️
📞 1-855-782-7346
💻 www.starboardfinancial.com
🏠
Absolutely — perfect credit is not a requirement to become a homeowner. 👀
Many buyers assume they need an 800 score before they can even start… but that’s simply not true.
There may be loan options available for buyers with less-than-perfect credit, depending on your full financial picture. 💡
We look at more than just a score:
✔️ Income
✔️ Debt-to-income ratio
✔️ Down payment options
✔️ Credit trends & recent improvements
✔️ Overall loan goals
Sometimes a few small moves today can open big doors tomorrow. 🚪🏡
Don’t count yourself out before knowing your options.
📩 DM “CREDIT” and let’s talk about where you stand.
📍Gilbert, Arizona
⭐️
📞 1-855-782-7346
💻 www.starboardfinancial.com
🏠
05/18/2026
In a competitive market, it’s not always the highest offer that wins. It’s the strongest overall offer. 👀
✅ Ways to stand out as a buyer:
• Get fully pre-approved before shopping
• Use a trusted local lender
• Offer flexible timelines if possible
• Limit unnecessary contingencies
• Submit clean, complete paperwork fast
• Work with an agent who knows strategy
💡 Sellers want confidence, certainty, and a smooth closing.
📍Gilbert, Arizona
⭐️
📞 1-855-782-7346
💻 www.starboardfinancial.com
🏠
The right team can make your offer more attractive without overpaying.
📩 DM “OFFER” if you want to be ready when the right home hits the market.
Click here to claim your Sponsored Listing.
Category
Telephone
Address
Gilbert, AZ
85234
Opening Hours
| Monday | 8am - 5pm |
| Tuesday | 8am - 5pm |
| Wednesday | 8am - 5pm |