Products and Niches

Features
  • Low down payment
  • Flexible income, debt, and credit requirements
  • Use gift funds to help with your downpayment, contact your mortgage professional to learn more about this benefit
  • 5% down loans upto $625500
Recommended For
  • Homebuyers with limited savings
  • Low to moderate income homebuyers
  • Non occupant cosignors helping family qualify
Learn More About Conventional Loans
Features
  • Low down payment
  • Flexible income, debt, and credit requirements
  • Use gift funds to help with your downpayment, contact your mortgage professional to learn more about this benefit
  • FHA Down payment assitance programs with Zero Down
  • FHA streamline refinance with no appraisal and income
Recommended For
  • Homebuyers with limited savings
  • Low to moderate income homebuyers
  • Refinances to drop rate/term
  • Non occupant cosignors can help family qualify
Learn More About FHA Loans
Features
  • No down payment required
  • Flexible income, debt, and credit requirements
  • 2nd VA loan available .No need to close existing VA loan
  • VA Interest Rate Reduction program
Recommended For
  • Qualified veterans, reservists, active service members and their spouses
  • Eligible first or second time homebuyers who have low to moderate income
Learn More About VA Loans
Features
  • Mortgage amounts upto $2.5Mn
  • Fixed or Adjustable Options
  • Interest only options
  • Back end DTI upto 49.99%
  • Asset depletion program
Recommended For
  • Homebuyers who need financing in larger loan amounts
  • Homebuyers looking for large loan with just interest only payment
  • Investment-minded buyers who can afford a large purchase, but want to leverage assets more effectively
  • High DTI and asset depletion jumbo programs help borrowers qualify on the expanded Jumbo ( Non QM) program
Learn More About Jumbo Loan

Shining Star Funding offers a wide range of products to fit the needs of many different types of borrowers. Depending on your goals and financial situation, you’ll have several different options to choose from. We’ll help you understand the differences between them so you can choose a mortgage that’s right for you.

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