Police Woman

Big Money? No Problem!

Program Highlights
Living room picture

Purchasing, Refinancing, or Relocating?

Purchase? Refinance? Relocating to a new state? Apply NOW!
Living room picture

HELOCS are perfect for remodeling or consolidating bills!

Home Improvement? Debt Consolidation?

Need to Purchase, Relocate, or Refinance?

I'm here to help.

We welcome the opportunity to speak with you about your plans and budget to purchase a home or refinance an existing home loan in California, Nevada, Texas or Florida. Are you planning a relocation from California to Texas, Nevada, or Florida? Our brokerage has over 30 years in business and offices in seven states, our team can help you with your relocation, purchase, or refinance needs.

Having a solid framework to guide you before shopping for a home will ensure you have a smooth and stress-free home loan process.  Our goal is to educate, inform and present all available loan options when looking to purchase or refinance a home. Our mortgage products include Luxury Jumbo Loans, First-Time Buyer Programs with as little as 1% down, Refinance Options with up to 100% of the appraised value, Home Purchases, and Cash-out Refinances, FHA, USDA.  Our veterans can achieve homeownership with a 100% No Money Down VA loan.

Do you still have questions?  I have a large library of videos that will answer many of your most pressing home loan questions: 

Mortgage Lending Video Library

PROGRAM HIGHLIGHTS…..

JUMBO AND LUXURY JUMBO:

  • Interest-only available for all occupancy types 
  • Relocating? We specialized in helping families move to CA or out of CA.
  • Departing Residence – Utilize rental income with a Rental Survey 
  • High Balance Conforming – Lower rates, higher loan amounts
  • Specialist in competitive purchase markets - Close your purchase ON-TIME!
  • Luxury Jumbos up to 3 Million

FIRST-TIME BUYER:

  • Unique First-time Buyer programs
  • 100% Financing available for Veterans
  • FHA, USDA, VA
  • Low FICO score?  We can still help you!

FIRST RESPONDERS, TEACHERS, AND VETERANS:

  • We thank you for your service!
  • We donate 5% to the charity of your choice
  • We appreciate everything each of you does for your local communities

                         " NO POINTS AND NO LENDER FEES FOR OVER TWENTY YEARS"

Please give me a call to discuss your unique loan requirements at (209) 914-4724 or email loansbydenise@deniseborgia.com.

Need a Mortgage "Tune-up"?
Workers

Northstar Mortgage

Let our family help yours

EXPERT EXPERIENCE, TRUSTED ADVISOR!

We believe that being a trusted advisor to our customers is the foundation for creating a "Customer for Life." We enjoy helping our customers navigate the process of obtaining a home loan with tailored personal customer service. Our goal is to help our customers choose the right mortgage option based on their unique requirements and what is best for their long-term goals.

There are a lot of options when you choose a lender to work with. Those of you that have already worked with us know that what makes our family business stand out from the competition is the service that we provide.

Our company, North Star Mortgage, is a family-owned business that I've been proud to be a part of since 2001. I am honored to manage our branch office in Reno, Nevada.

I started my home loan business to give me the flexibility to care for my newborn son, Ian, who is now my business partner starting in 2022!  Faith and family are the cornerstones of our business. Our customers give us the opportunity to treat them with a level of service and detail unmatched in the big lending world.

We are a family business with all of the "big" lending options available to us with zero broker fees and no points or hidden costs.  Northstar Mortgage has offices in seven states and counting. Our office specializes in refinancing, purchases, cash-out, VA, FHA, USDA, and Luxury Jumbo.  Our office provides home loans in CA, NV, TX, and, FL. Moving from California to Nevada, Texas, or Florida? We can help!

Ian and I look forward to helping you achieve your financial and homeownership goals!

Did you know I give 5% to a charity of your choice?

Please give Denise a call to discuss your unique requirements at (209) 914-4724 or email loansbydenise@deniseborgia.com.

Get Started