Rates are trending down. Subscribe to rate alerts.

Be the first to know when mortgage rates make a move. Stay informed. Save money.

Notify me of rate drops
Check rates

Get a mortgage without the hassle.

Get a free custom rate quote in seconds
I’m looking to purchase
I’m looking to refinance
No impact on credit score
No hidden costs
No documents required
5.0
20+ reviews
Stay IN the know

Today’s rates

PURCHASE

30-Year Fixed

PURCHASE

15-Year Fixed

REFINANCE

30-Year Fixed FHA

PURCHASE

30-Year Fixed Jumbo

Rate as of today  |  See Assumptions

Rate as of 12 July 2024  |  See Assumptions

Compare rates
About us

Who we are

Sasha Sams
CEO, Five Star Mortgage

We are a licensed, local mortgage broker with more than 3 decades 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

14 days

Avg. Closing Time

20+

5 star reviews

30+

Years of mortgage experience

Our presence

Licensed in 6 states currently

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 your loan terms.

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.

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 documents that finalize the mortgage process. 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!

WCl MORTGAGE rate watch

Get notified when rates drop

Never miss a rate drop – experience smarter rate shopping. Our Price Drop Alert feature keeps you informed, instantly notifying you when prices fall.

Notify me of rate drops
Recent experience of our customers

See what our customers say about us

Rates

Discover unmatched rates with us, your top choice in lending

Compare rates

Shop for different rates based on you scenario with our rate comparison table.

Compare rates
Get your custom rate

Discover your exclusive rate -tailored for you. Secure your custom rate today.

Get custom quote
Our team

Meet our team of mortgage experts

Rhett Johnston
President  |  NMLS #459109
View profile
Cooper Johnston
Sr. Loan Officer  |  NMLS #2018627
View profile

Take your first step towards your home loan journey

Get a quote
No impact on credit score
No hidden costs
No documents required

Today’s mortgage rates in the United States