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15 Days Is Our Average Close Time

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5.0
75+ reviews
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About us

Who we are

Sasha Sams
CEO, Five Star Mortgage

We are a licensed, local mortgage broker with more than 15 years of mortgage experience. We are independent and do not work for a specific bank or lender. That independence is your secret home financing weapon, since we can shop multiple wholesale mortgage lenders on your behalf — giving you access to more home loan options than what a bank or online lender can offer.

The result is typically a cheaper, faster and easier mortgage for you.

Learn more

15 days

Avg. Closing Time

75+

5 star reviews

15+

Years of mortgage experience

Your goal

Where are you in your home loan journey?

Purchase a home

Turn your dream home into a reality.

Refinance a home

Refinance an existing loan with ease and confidence.

Process overview

Our simple home loan process

1
Pre-Approval

Before house hunting, potential buyers should get pre-approved for a mortgage. This involves submitting financial information to a lender who then evaluates credit history, income, debts, and assets to determine how much they can lend and at what interest rate.

2
Loan Application

Once pre-approved, buyers can start looking for a home within their budget. After finding a property and agreeing on the price, they formally apply for a mortgage. This step requires updated detailed financials and documentation.

3
Lock Rate

When you lock in a rate, you and the lender agree to a specific interest rate for your mortgage. This rate remains unchanged irrespective of market fluctuations during the lock period. The lock-in period usually ranges from 15 to 60 days, though it can be longer.

4
Loan Processing

The lender processes the application, which includes verifying all the information provided by the applicant. They may request additional documents or clarification. During this stage, an appraisal of the property is also conducted to assess its market value.

5
Underwriting

In this critical phase, the underwriter reviews all documentation and decides whether to approve or deny the loan based on criteria like credit score, debt-to-income ratio, and property value. This is where the lender takes on the financial risk of the loan.

6
Closing

The final step is closing. This involves signing a variety of legal documents that finalize the mortgage agreement. The buyer typically pays the closing costs, and the ownership of the property is transferred. Once this is completed, the buyer is now the new owner of the home!

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Our team

Meet our team of mortgage experts

Josh Brown
Loan Officer  |  NMLS #337240
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Our presence

Licensed in Utah & Colorado

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No impact on credit score
No hidden costs
No documents required