Mortgage Loans

Home buying made simple, convenient and cost friendly!

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Whether you’re thinking of buying a new home or refinancing your mortgage from elsewhere, BrightStar Credit Union can help you achieve your dreams.

Why Choose BrightStar for your home loan needs?

  • No intangibles tax.
  • Lower appraisal fees.
  • No application fee.
  • Service you can count on!

Mortgage Request


Our friendly, knowledgeable staff will make the process easy.

  • You can also call: Origination number: 954-717-6892
  • Service number: 844-266-3922 and speak with an BrightStar CU mortgage specialist.

Other Resources:

  • Use our convenient online mortgage loan calculators to estimate how much home you can afford, monthly payments and more. Learn More
  • Take our Free Online Home Buying Course! Learn More

Meet our Mortgage Specialists


John T. Donahue

Mortgage Loan Originator
NMLS# 924853
Office: 954.717.4638
Mobile: 954.675.0828
rosa's photo

Rosa D. Crespo

Mortgage Loan Originator
NMLS# 599594
Office: 954.616.2203
Mobile: 954.274.9860

Mortgage Products


  • Lending Flexibility (Condos; Townhomes; Villas)
  • Fixed rate
  • Conventional loans allow sellers to pay up to 3 percent of the loan amount to cover buyers' closing costs if less than 10% down payment (6 percent sellers contribution with a 10-25% down payment and 9 percent sellers contribution with 25% and over down payment)
  • Save mortgage insurance with a 20% down payment

FHA (Federal Housing Administration)

  • FHA loans allow sellers to pay up to 6 percent of the loan amount to cover buyers' closing costs
  • Designed for low-to-moderate income borrowers
  • Credit qualifying criteria not as strict
  • FHA loans are assumable
  • Fixed rate
  • As low as 3.5% Down payment

ARM (Adjustable Rate Mortgage)

  • Fixed for 3,5,7 or 10 years period option and annual adjustments thereafter
  • Lower monthly payments
  • Lower interest rate
  • Amortization up to 30 years
  • Designed for members that are not planning to live at the property over 10 years

VA loans (Veterans Affairs)

  • VA loans allow sellers to pay up to 4 percent of the loan amount to cover buyers' closing costs
  • Designed for veterans, service members and surviving spouses.
  • No down payment required!
  • No monthly mortgage insurance to pay!
  • VA loans are assumable.
  • Fixed rate

No Closing Cost Mortgage

Whether you’re looking to purchase a new home or lower your existing home loan payments, our mortgage team is standing by to help you get the best possible deal on a mortgage.

  • Put as little as 3% down*
  • Easy application process
  • No closing costs up to $5,000 (on purchases and refinances)**
  • Financial counseling available

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*Payment example: A purchase price of $250,000, with a 3% down payment of $7,500, loan amount of $242,500 at a 30 year term with an interest rate of 5.375% fixed (5.427% APR) would yield a monthly principal and interest payment of $1,357.93. Payment amounts do not include amounts for taxes and insurance. The actual payment obligation will be greater.

**BrightStar Credit Union’s No Closing Costs Mortgage Offer is available on primary and secondary residences only. BrightStar Credit Union will pay the actual closing costs associated with this new mortgage up to $5,000, excluding origination fee, discount points, prepaid interest, private mortgage insurance and funds needed to establish the member’s escrow account. Minimum loan amount $100,000. This special offer is available on all conventional first mortgage programs. Some exclusions and restrictions apply. All mortgage loans subject to credit approval. This offer may end at any time without notice.