Specializing in complex solutions for Entrepreneurs, Investors, and Luxury Homebuyers.
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 is not available directly to consumers.
The result: lower rates, lower fees, and access to loan programs that most banks simply do not offer. Federal law caps broker compensation at 2.75%, while bank profit margins on mortgages typically run 4.5% to 6%. That structural advantage flows directly to your bottom line.
Over 23 years, I have helped more than 2,400 families — many of them more than once. First-time buyers. Move-up families. Self-employed entrepreneurs. Real estate investors building portfolios of 20 or more properties. Retirees evaluating reverse mortgages. Each situation requires a different solution, and finding that solution is what I do every day. Learn more about the broker advantage.
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.
Best rates for strong credit. As low as 3% down with removable PMI. Conforming limit: $832,750.
Learn more →3.5% down, credit scores from 580. Flexible DTI. Gift funds for full down payment. Arizona limit: $557,750.
Learn more →0% down for eligible veterans and service members. No monthly mortgage insurance. No loan limit with full entitlement.
Learn more →Financing above $832,750. Competitive rates on luxury properties, second homes, and high-value investments.
Learn more →Self-employed? Use bank statements, 1099s, or assets instead of tax returns. DSCR investor loans with no income verification.
Learn more →Homeowners 62+. Convert equity to income with no monthly payments. 2026 HECM limit: $1,249,125.
Learn more →Rate-and-term, cash-out, FHA Streamline, VA IRRRL, and non-QM refinance. Lower your rate or access your equity.
Learn more →Arizona DPA programs, low down payment options, and step-by-step guidance for your first home purchase.
Learn more →The Starks Team works with borrowers across every stage of homeownership and every income type. Here are the situations we handle most frequently.
Low down payment programs, DPA grants, step-by-step guidance
Upgrading to a larger home with equity from your current property
Bank statement, 1099, and P&L loans for business owners
DSCR loans, no income verification, scale without DTI limits
VA purchase and IRRRL refinance with 0% down
Jumbo financing for high-value properties nationwide
Reverse mortgages, asset depletion, and retirement planning
Recent credit events, lower scores, non-traditional credit
Call, email, or apply online. I will ask about your goals, timeline, income, credit, and down payment to understand the full picture before recommending anything.
Your loan scenario goes out to every wholesale lender in my network. I compare rates, fees, and total cost across 20+ lenders and bring back the best options — not just one bank's offer.
I present the top options with full transparency. You pick the one that fits. From there, I manage every step through closing — underwriting, conditions, appraisal, title, and funding.
No surprises at the closing table. The rate I quote is the rate I deliver. I pre-underwrite every file to catch issues early, and I communicate proactively so you always know where things stand.
Not sure which program fits? This overview covers the highlights. For detailed information on each, click through to the full program pages.
| 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.
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 of experience means I have already solved a version of your scenario, and I know exactly which lenders and programs work best for each situation.
I have been recognized as a Scotsman Guide Top 1% Mortgage Originator year after year — a distinction based on verified loan volume. 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 community.
When you call, you talk to me directly. Not a call center, not a chatbot. I personally review every loan file and manage every transaction through closing. That hands-on approach is how we have served over 2,400 families — many of them multiple times, and many of them referrals from people who trust us enough to send their own family members our way.
Our office is in Gilbert, Arizona, and we have deep local expertise across the Phoenix East Valley — Gilbert, Mesa, Chandler, Scottsdale, Queen Creek, San Tan Valley, and the surrounding communities. We also have strong market knowledge in Orange County, California.
But our licensing covers all 50 states, and a significant portion of our business comes from clients outside Arizona. The mortgage process is fully digital — applications, document uploads, rate locks, and even closings can happen remotely. Whether you are buying a home across town or across the country, we provide the same level of service and the same access to wholesale lender pricing.
Local knowledge, national reach: For Arizona clients, I know the neighborhoods, the appraisal trends, the school districts, and the builders. For out-of-state clients, I bring the same lender network and rate shopping advantage — the wholesale pricing is the same regardless of where the property is located. Explore purchase options or refinance options to get started.
A mortgage broker shops your loan across dozens of wholesale lenders to find the best rate and terms for your specific situation. A bank only offers its own products at its own rates. As a broker, I compare pricing from 20 or more lenders on every loan, giving you access to wholesale rates that are not available directly to consumers. This competition between lenders typically results in lower rates and fees compared to going to a single bank. Read the full comparison.
We offer the full spectrum of residential mortgage products: Conventional loans (Fannie Mae and Freddie Mac), FHA loans, VA loans for veterans and service members, Jumbo loans for high-value properties, Non-QM loans including bank statement loans and DSCR investor loans, Reverse Mortgages (HECM) for homeowners 62 and older, and HELOC products. We handle both purchase and refinance transactions on primary residences, second homes, and investment properties.
We are licensed in all 50 states and can originate mortgage loans nationwide. Our office is located in Gilbert, Arizona, and we have deep local market expertise across the Phoenix East Valley — including Gilbert, Mesa, Chandler, Scottsdale, Queen Creek, and San Tan Valley. We also have strong expertise in Orange County, California. Most of our clients work with us remotely via phone, email, and secure digital applications.
You can get started by calling Ken directly at (480) 400-5626, emailing newloans@thestarksteam.com, or completing the online application. Ken personally reviews every application and will reach out within one business day to discuss your best options. There is no cost and no obligation for a consultation — we will run your numbers across multiple lenders and show you the best available terms before you make any decisions.
Call me directly, start your application online, or just ask a question. No obligation, no pressure — just straight answers from someone who has been doing this for over two decades.
Call (480) 400-5626 Start Your Application