Our most popular loan for borrowers who qualify. Conventional loans offer more flexibility and options, but typically require a higher credit score and down payment.
For high-value properties, Jumbo loans typically require stricter credit and income qualifications.
A government-backed mortgage designed for borrowers with lower credit scores or smaller down payments.
A government-backed mortgage for low-to-moderate-income borrowers in eligible rural and suburban areas, offering no down payment and competitive interest rates.
NMLS #104880
I am passionate about my role as a Branch Manager and Loan Originator, where I have the privilege of helping others achieve their dreams of home ownership. With a career spanning since 1985, I have amassed a wealth of experience in various facets of the mortgage industry, including finance, servicing, underwriting, and operations.
As a Branch Manager, I lead a talented team of professionals, fostering a collaborative and supportive environment that drives our collective success. My team brings extensive expertise to the table, particularly in handling FHA, VA, USDA, Jumbo, Conventional, and Down Payment Assistance Programs. We cater to a diverse range of financial needs, offering loan solutions from $50,000 to $2 million. Our comprehensive approach ensures that our clients receive the best possible care and guidance throughout their home buying or selling journey. Our ultimate goal is to guarantee their satisfaction with the outcome, making their dream of home ownership a reality.
| Loan Type | Min. Down Payment | Credit Score Requirement | Loan Limit | Primary Use | Mortgage Insurance Required | Unique Features |
|---|---|---|---|---|---|---|
| Conventional | 3%-20% | 600+ | Conforming limits | Primary, secondary, investment | If less than 20% down | Flexible terms, various loan types |
| Jumbo | 10%-20% | 660+ | Exceeds conforming limits | High-value properties | No | Stricter qualifications for high-value homes |
| FHA | 3.50% | 540+ or 580+ manual |
FHA limits by county | Primary residences | Yes | Low down payment, flexible credit |
| VA | 0% | 540+ or 580+ manual |
VA limits by entitlement | Veterans, service members | No | No down payment, no PMI |
| USDA | 0% | 640+ | USDA limits by area | Rural properties | No | No down payment, rural eligibility |
| HELOC | Varies | Good to Excellent | Varies by equity | Equity access | No | Revolving credit line based on home equity |
| DPA | Varies | Varies | Varies | Down payment assistance | No | Assists with down payments |
| DSCR | Varies | Varies | Varies by property income | Investment properties | No | Focus on rental income for qualification |
| Bank Statement | Varies | 600+ | Varies | Self-employed borrowers | No | Income verified through bank statements |
| Construction | Typically 20% | Good to Excellent | Varies by project | Home construction | No | Covers cost of building new homes |
Producing Branch Manager
(509) 293-0194
christianc@goldstarfinancial.com
1835 N. Wenatchee Ave
Suite A
Wenatchee, WA 98801
We know a thing or two about the mortgage business. Above all else, we know that better listeners create better mortgages. At Gold Star Mortgage we listen to you, your dreams, worries, desires, finances, goals – all of it. This is how we develop a mortgage tailored to your needs and your dreams, one that outperforms all others.