Broker Near Me

Starla Pham

NMLS 1438791
Amber Way, LIVERMORE CA 94550
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Get to know me

With over 35 years in the mortgage industry, I help individuals and families navigate home financing with clarity and confidence. Whether you’re purchasing your first home, upgrading, investing, or refinancing to improve cash flow, I focus on solutions that align with your short and long-term goals. I believe an informed borrower is an empowered borrower. My role is to explain options clearly, guide you through every step, and create a smooth, stress-free experience...no pressure, no confusion!

My experience

Licensed in:

Arkansas
California
Missouri

Loan Products:

Adjustable-Rate Mortgages (ARM)
Conforming Loans
Conventional Loans
Fannie Mae
FHA
Fixed-Rate Mortgages
Freddie Mac
Ginnie Mae
Jumbo Loans
Non-Conforming Loans
USDA
VA

Years of experience:

35

Languages spoken:

English

Brokerage info

What you can expect from me.

Find answers to my most-asked questions, covering everything from how I'll support you to what you need to start the process.

Expect clear communication, personalized guidance, and education at every step so you understand your options, know what to expect, and feel confident from application to closing.

I welcome it. Early conversations help you understand your options, plan ahead, and move forward confidently without pressure or obligation.

I encourage completing the loan application so I can review your mortgage credit report and outline clear, actionable steps to improve scores and strengthen loan options.

To start, most clients need recent pay stubs, W-2s and/or tax returns, bank statements, and government issued IDs. I’ll guide you on anything else based on your loan type.

I connect by phone, text, email, or video, whatever works best for you. Communication starts early and continues regularly through every stage of the process.