Your Top Mortgage Broker
Specializing in complex solutions for entrepreneurs, investors, and luxury homebuyers — with wholesale pricing shopped across 20+ lenders, not one bank's rate.
It's more than a home loan — it's the right loan, shopped for you.
When you go to a bank, you get that bank's rate. When you work with The Starks Team, we shop your loan across the entire wholesale lending market — dozens of lenders competing for your business at wholesale pricing that isn't available directly to consumers.
The result: lower rates, lower fees, and access to loan programs most banks simply don't offer.
Every loan option under one roof
Every borrower is different. We match you to the right program from the full spectrum of residential mortgage products — not just the limited menu a single bank offers.
Conventional
Best rates for strong credit. As low as 3% down with removable PMI. Conforming limit: $832,750.
Learn moreFHA
3.5% down, credit scores from 580. Flexible DTI. Gift funds allowed for the full down payment.
Learn moreVA
0% down for eligible veterans and service members. No monthly mortgage insurance, no loan limit with full entitlement.
Learn moreJumbo
Financing above $832,750. Competitive rates on luxury properties, second homes, and high-value investments.
Learn moreNon-QM / Bank Statement
Self-employed? Qualify with bank statements, 1099s, or assets instead of tax returns. DSCR investor loans with no income verification.
Learn moreReverse Mortgage
Homeowners 62+. Convert equity to income with no monthly payments. 2026 HECM limit: $1,249,125.
Learn moreRefinance
Rate-and-term, cash-out, FHA Streamline, VA IRRRL, and non-QM refinance. Lower your rate or access your equity.
Learn moreFirst-Time Buyers
Arizona DPA programs, low down payment options, and step-by-step guidance for your first home purchase.
Learn moreBuilt for every kind of borrower
The Starks Team works with borrowers across every stage of homeownership and every income type. Here are the situations we handle most.
First-Time Buyers
Low down payment programs, DPA grants, and step-by-step guidance.
Move-Up Families
Upgrading to a larger home with equity from your current property.
Self-Employed
Bank statement, 1099, and P&L loans for business owners.
Real Estate Investors
DSCR loans, no income verification, scale without DTI limits.
Veterans & Military
VA purchase and IRRRL refinance with 0% down.
Luxury Buyers
Jumbo financing for high-value properties nationwide.
Retirees
Reverse mortgages, asset depletion, and retirement planning.
Credit Challenges
Recent credit events, lower scores, non-traditional credit.
A clear path from hello to keys
No surprises at the closing table. The rate I quote is the rate I deliver.
Tell Me Your Situation
Call, email, or apply online. I'll ask about your goals, timeline, income, credit, and down payment to understand the full picture first.
I Shop the Market
Your scenario goes out to every wholesale lender in my network. I compare rate, fees, and total cost across 20+ lenders — not just one bank's offer.
You Choose, I Execute
I present the top options with full transparency. You pick the fit. From there I manage every step — underwriting, appraisal, title, and funding.
Close with Confidence
I pre-underwrite every file to catch issues early and communicate proactively, so you always know exactly where things stand.
Not sure which program fits?
The highlights at a glance. Click any program for full details.
| Program | Min. Down | Min. Credit | Best For |
|---|---|---|---|
| Conventional | 3% | 620 | Strong credit, removable PMI |
| FHA | 3.5% | 580 | Lower credit, flexible DTI |
| VA | 0% | 580* | Veterans & service members |
| Jumbo | 10% | 700 | Loans above $832,750 |
| Bank Statement | 10% | 660 | Self-employed borrowers |
| DSCR | 20% | 620 | Rental property investors |
| Reverse (HECM) | N/A | None | Homeowners 62+ |
*VA has no official minimum; most lenders require 580–620.
Two decades of solving the loans other lenders can't.
I started in the mortgage industry in the early 2000s and have originated loans through every market condition the past two decades have produced — the boom, the crash, the recovery, and everything since. That depth means I've already solved a version of your scenario, and I know exactly which lenders and programs fit each situation.
I live in Gilbert, Arizona with my three daughters, served on the Town of Gilbert Public Facilities Municipal Property Corporation, and have deep roots in the East Valley. When you call, you talk to me directly — I personally review every file and manage every transaction through closing.
Arizona, Orange County & all 50 states
Deep local expertise across the Phoenix East Valley — and the same wholesale pricing wherever your property is, with a fully digital process from application to closing.
Local knowledge, national reach. Licensed in all 50 states — a significant share of our business comes from outside Arizona.
Answers before you apply
What does a mortgage broker do differently than a bank? +
What types of loans does The Starks Team offer? +
What areas does The Starks Team serve? +
How do I get started with an application? +
Ready to find your best rate?
Call me directly, start your application online, or just ask a question. No obligation, no pressure — just straight answers from someone who's been doing this for over two decades.