Direct lender execution with fast scenario reviews, streamlined communication, and flexible loan solutions.
Account Executive support from Leslie Alvarez.
Leslie Alvarez is an Account Executive with Star Financial, partnering with mortgage brokers, loan officers, and referral partners to make every loan submission smooth and predictable. From initial scenario review through clear-to-close, she focuses on responsive communication, structured file support, and helping partners win more deals.
Loan intake & scenario review
Pricing & program guidance
File support through funding
Star Financial continues expanding nationwide to better support brokers, loan officers, and homeowners.
Star Financial (NMLS 1429) is licensed as a direct mortgage lender in five states. Pick a state to see the programs and local advantages we bring to brokers and loan officers on the ground.
Expertise in CA High-Balance and Non-QM solutions for high-cost markets — Los Angeles, Orange County, San Diego, and the Bay Area. Jumbo, Bank Statement, P&L, and Asset Depletion built for California's self-employed and high-net-worth borrowers.
Expertise in CA High-Balance and Non-QM solutions for high-cost markets — Los Angeles, Orange County, San Diego, and the Bay Area. Jumbo, Bank Statement, P&L, and Asset Depletion built for California's self-employed and high-net-worth borrowers.
Specializing in Texas 50(a)(6) Cash-Out Refinances and fast investor closings. Deep familiarity with TX homestead rules, the 12-day notice, and DSCR for the Austin, Dallas–Fort Worth, Houston, and San Antonio investor markets.
Streamlined condo-approval process and DSCR loans for FL vacation rentals. Warrantable and non-warrantable condos, foreign national, and short-term rental (Airbnb/VRBO) financing across Miami, Orlando, Tampa, and the Palm Beaches.
Aggressive Conventional and Government pricing for the mountain region — Denver, Boulder, Colorado Springs, and Fort Collins. FHA, VA, and Conventional priced to win, plus Jumbo and Non-QM for the Front Range and resort markets.
Aggressive Conventional and Government pricing for the desert region — Phoenix, Scottsdale, Tucson, and Mesa. FHA, VA, and DSCR for the high-velocity AZ purchase and investor markets, with 24-hour underwrite turn times.
Yes. We originate Texas Section 50(a)(6) Cash-Out Refinances as a direct lender. Our in-house underwriting handles TX homestead rules, the mandatory 12-day notice, and the 80% LTV cap, with 24-hour initial underwrites.
DSCR loans in Florida start at a 1.0 DSCR (with sub-1.0 options), 20% down on purchases, 660+ FICO, and accept short-term rental income via market rent or 12-month STR history. Warrantable and non-warrantable condos eligible.
Yes. We specialize in CA High-Balance Conforming, Jumbo, and Non-QM (Bank Statement, P&L, Asset Depletion, DSCR) for high-cost California markets — purpose-built for self-employed and complex-income borrowers.
Yes. As a direct lender we offer aggressive Conventional, FHA, and VA pricing across CO and AZ, with the same 24-hour underwrite turn times we deliver in our other states.
Absolutely. Approved brokers can submit files in any of our five licensed states (CA, TX, FL, CO, AZ) under one TPO relationship, with a single AE and a single submission process.
A direct-lender partnership designed around speed, transparency, and certainty of close.
Decisions made in-house, not brokered out.
Direct access to underwriters.
Same-day responses on scenarios.
Aggressive pricing across all products.
Dedicated AE partnership.
Licensed in CA, TX, FL, CO, AZ.
Where Star Financial wins deals — programs paired with the structuring edge brokers actually need.
Investor loans qualified by property cash flow.
Self-employed income solutions.
Low down payment government-backed financing.
Flexible qualifying for unique borrowers.
100% financing for qualifying veterans.
Conforming loans with competitive pricing.
High-balance loans above conforming limits.
Financing for borrowers without a SSN.
Tap equity with second-lien options.
Get instant guidance on Conventional, FHA, VA, Non-QM, DSCR, and Bank Statement structuring before you submit a full scenario.
Run the numbers in seconds. Enter rent and PITIA to see where the file lands before you submit.
Enter rent and PITIA to calculate.
For estimation only. Not a loan approval, commitment to lend, or guarantee of eligibility. Final DSCR calculations and pricing are subject to investor guidelines, appraisal, and underwriting review. NMLS 1429.
Side-by-side on the metrics that matter — so you can match the borrower to the program before you submit.
Guidelines vary by investor and overlay. For estimation only — not a commitment to lend. NMLS 1429.
Download the templates and guides our top-producing partners use on every submission.
Most deals fall apart because conditions surface too late — after the contract is signed, the appraisal is in, and the borrower has packed boxes. Our in-house underwriting model is built to surface and clear those conditions on day one, not week three.
Files never leave the building. Our underwriters review structure on day one — no third-party AUS surprises in week three.
Initial underwrite in 24 hours, condition review in 12, CTC to funding in 24. Documented turn times — not promises.
Complex self-employed, DSCR, or Non-QM file? Leslie and the AE team pre-vet structure before you spend hours collecting docs.
We front-load every condition at initial review so appraisal and final UW don't reopen the file the week of closing.
Upload 12–24 months of personal or business bank statements for an instant pre-analysis preview. Final qualifying income is determined by Star Financial underwriting.
Files are not transmitted in this preview. For an official review, submit through the secure scenario portal.
Illustrative only. Mock results do not reflect Star Financial guidelines, expense factors, or final qualifying income. Not a commitment to lend. NMLS 1429.
“At Star Financial, our goal is to give loan officers and brokers the support, pricing, products, and service they need to grow. Leslie Alvarez is part of that commitment — helping partners get their files reviewed, structured, and moving forward.”
Reach Leslie directly for scenarios, pricing, and broker onboarding questions.
Hi, I'm the Star Financial Mortgage AI Assistant. Ask me general loan structuring or mortgage scenario questions across Conventional, FHA, VA, Non-QM, DSCR, and Bank Statement programs.
AI responses are for general guidance only and are not a loan approval, underwriting decision, commitment to lend, or agency/investor guideline determination. Final eligibility is subject to Star Financial underwriting review, investor guidelines, agency rules, credit approval, and complete documentation.
