Commercial Programs

Refinancing or Purchasing?

First-Time Buyer?

Need to Purchase or Refinance?

I'm here to help.

I welcome the opportunity to speak with you about your plans and budget to purchase a home or refinance an existing home loan in Los Gatos, California as well as in San Jose, CA and the Greater Bay Area. Having a solid framework to guide you before shopping for a home will ensure you have a smooth and stress-free home loan process. My 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 up to 7M, Residential Commercial, Business Commercial, First-Time Buyer Programs with as little as 1% down, Refinance Options with up to 100% of the appraised value, Home Purchases, Cash out Refinances, FHA, True 100% No Money Down with a VA Home Loan.


  • Interest only available for all occupancy types 
  • Cross-Collateralization – Make a “Non-Contingent” offer even if you have a home for sale! 
    • Re-cast new home at no cost after your former home sells 
  • Departing Residence – Utilize rental income with a Rental Survey 
  • High Balance Conforming – AVAILABLE IN ALL COUNTIES 

  • Purchase investment residential properties as a Business Entity 
  • Apartments 
  • Small Business Retail 

  • Unique First-time Buyer program
  • Allows for “forgivable” 2nd trust deed 
  • 1% Down, no MI


Please give me a call to discuss your unique loan requirements at 408-402-5936 or email

Need a Mortgage "Tune-up"?

Denise Borgia

Senior Loan Specialist, MBA
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North Star Mortgage & Realty

Let our family help yours


I believe that being a trusted advisor to my customers' is the foundation to creating a "Customer for Life." I enjoy helping my customers navigate the process of obtaining a home loan with tailored personal customer service. My goal is to help my 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 me know that what makes me stand out from the competition is the service that I provide.

Our company, North Star Mortgage and Realty, is a family owned business that I've been proud to be a part of since 2001. We work with a specific set of great lenders that we trust. As a result, we are volume leaders and receive access to special pricing which translates into lower rates for our customers. We have a wide array of loan products to meet any need from First-Time Buyers, FHA, Portfolio and VA loans, and more.

Please take a moment to review the multitude of loan options that I can offer and Call me today to get a free assessment and overview of your unique mortgage requirements.

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 me a call to discuss your unique requirements at 408-402-5936 or email

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