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Financing, Simple And Affordable

Purchasing or Refinancing

About Starboard Financial

Starboard Financial is committed to client trust and satisfaction through every stage of the loan process. We are a full service mortgage lender headquartered in the Gilbert, Arizona area. We offer products to meet all home financing needs, and embrace a unique loan process that enables us to work with clients through every stage of the home buying process. Our philosophy is simple; Underwrite first – Close fast!


Experience Mortgage Lending – The Right Way – with Starboard Financial.

Meet Our Team

Sara has always been drawn to industries of customer service and has found her true niche as a loan originator. Trust is Sara’s main motivator. The more she is trusted, the more she is driven to serve. She works tirelessly to make the process as worry-free as possible. Sara loves her job because it provides her with the opportunity to make a difference in people’s lives. Sara specializes in residential lending on all mainstream products, tailored program options, and niche product portfolio lending. She holds state licensing in Arizona, Texas, Washington, and Idaho.

Judi Gustin is a Senior Loan Officer at Starboard Financial with 25 years’ experience, where she takes great pride in assisting home buyers from start to finish, from application to closing and beyond. She can do just about any loan out there such 2nd home purchases, VA Loans, FHA Loans, Conventional & Jumbo Loans.  Builder and Construction loans are her specialty. Judi is the preferred lender for several New Home Builders. She is licensed in Arizona, California, and New Mexico.

Carolyn Litton is a senior loan officer with Starboard Financial. She has been in the mortgage business for over 10 years. Her knowledge and experience has earned her the ability to have pre-approval authority for the loan programs that Starboard Financial has to offer. Carolyn is proficient when it comes to mortgage knowledge and provides superb customer service. She is a top producing loan officer in the company, and multiple time recipient of Chicago Magazine’s 5 Star Professional Award.


Office Locations

Starboard Fiancial Sales building

Gilbert, AZ

4145 E. Baseline Rd
Gilbert, AZ 85234

Starboard Financial Scottsdale building

Scottsdale, AZ

16427 N Scottsdale Rd, Suite 130
Scottsdale, AZ 85254

Starboard Financial Chicago BHHS Building Exterior


1010 Rohlwing Rd
Elk Grove Village, IL 60007

Hear From Real Starboard Customers

It was a good experience. We changed loan type and added both our names halfway through process. There was a few last minute needing docs changed to help process along, but Sara worked with us and met our needs. Sara Blodgett Waggoner was very helpful and communicated/worked well with realtor Andre Gaice. She was always able to answer my million questions with explanations I understood.
Kaeli A.
Tolleson, AZ
Judi Gustin is such a pleasure to work with. We even put my son in touch with her for references in Connecticut. She is awesome. It was pushed through quickly because of our personal challenges. Much appreciated.
Shaun S.
Prescott Valley, AZ
Working with Adam was beyond pleasant, from our first conversation to our very last once our house was closed. Adam and his team was very helpful and informative during the whole process which did not go unnoticed as a first time home buyer. I would absolutely recommend Adam and his team to anyone looking for an awesome and honest lender
Ryan H.
Phoenix, AZ

Our Associations: (view our licensing)


If you would like to discuss the mortgage process further, or if you have any inquiries about our loans, lending options, or general questions about our mortgage company, you are more than welcome to look at our available resources. If you do not have any questions about mortgage lending and are ready to submit your information for a loan decision, please Apply Now.

Thank you for letting Starboard Financial show you -The Right Way- in mortgage lending!