Conventional Loans
Conventional home loans with competitive rates, flexible terms, and down payment options tailored to qualified buyers in Prosper and the greater North Texas area.
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Lending
Loan types
Every file is different. These pages explain common programs we help North Texas borrowers compare. Nothing here is a rate quote or a commitment to lend.
FHA Loans
Government-insured loans with low down payment—as little as 3.5%. Ideal for first-time buyers and moderate credit in Prosper and North Texas.
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VA Loans
Zero-down options for eligible veterans and service members—no PMI. Star Lending Group serves North Texas military families.
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Jumbo Loans
Financing above conforming limits for luxury homes and high-cost North Texas markets.
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Refinancing
Lower your rate, change your term, or access equity with a refinance tailored to your goals.
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First-Time Buyer Programs
Down payment assistance and education resources to make your first North Texas home purchase achievable.
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DSCR Loans
Debt Service Coverage Ratio financing for investment properties—underwritten primarily on rental cash flow rather than personal W-2 income.
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Hard Money Loans
Short-term, asset-based financing often used for fix-and-flip or time-sensitive real estate projects—educational overview and how to reach our team.
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Bank Statement Loans
Documentation options that may use personal or business bank statements—often relevant for self-employed and 1099 borrowers.
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Short-Term Rental Loans
Financing conversations around residential short-term rentals (including Airbnb-style properties)—guidelines vary; we help you ask the right questions.
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Commercial Loans
Educational overview of commercial real estate financing and how our team can help you start the right conversation.
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