FAQs

What does Five Star Mortgage do?

Five Star Mortgage helps individuals and families find the right home loan solutions. We offer guidance through the mortgage process—from pre-approval to closing—whether you’re buying, refinancing, or investing.

How do I get pre-approved?

Click the “Get Pre-Approved” button on our website and complete the form. A loan officer will review your information and contact you with next steps. Pre-approval is subject to verification and underwriting.

Does getting pre-approved guarantee I’ll get a loan?

No. Pre-approval is an initial review and does not guarantee final loan approval. Final approval depends on underwriting, documentation, and lender guidelines.

What information do I need to apply?

You may be asked to provide:

  • Photo ID

  • Pay stubs or proof of income

  • Tax returns or W-2s

  • Bank statements

  • Credit authorization

How long does the mortgage process take?

Most loans close in 30–45 days, but timelines can vary based on documentation, underwriting, and property requirements.

What types of loans do you offer?

We offer a variety of loan options, including:

  • Conventional loans

  • FHA loans

  • VA loans

  • USDA loans

  • Jumbo loans

  • Refinance options

Availability depends on qualification and lender guidelines.

Do I need perfect credit to qualify?

No. Many programs are available for borrowers with a wide range of credit profiles. A loan officer can help match you with the best option.

How much money do I need for a down payment?

Down payment requirements vary by loan type. Some programs allow as little as 0–3.5% down, depending on eligibility.

What affects my interest rate?

Your rate is influenced by:

  • Credit score

  • Income and debt

  • Loan type

  • Market conditions

  • Property type

Can you help first-time homebuyers?

Yes! We work with many first-time buyers and can explain the process step-by-step, including programs designed specifically for first-time homeowners.

Can I refinance my current mortgage?

Yes. Refinancing may help you lower your rate, reduce your payment, or access equity. A loan officer can review your situation to see if refinancing makes sense.

Is my information secure?

Yes. We use secure systems and reasonable safeguards to protect your personal information.

How do I contact Five Star Mortgage?

You can contact us through the website, by phone, or by email. Visit the “Contact Us” page for full details.

What areas do you serve?

We serve clients in Florida. Contact us to confirm availability in your area.