Joseph Rios

NMLS # 2013486

Cell: (602) 284-3497         Direct:  (480) 999-7122
Office:  (480) 897-9777    Fax:  (888) 279-0378
Email: jrios@starboardfinancial.com

Starboard Financial Management, LLC
4145 E. Baseline Rd, Gilbert, AZ  85234

Joseph Rios

NMLS # 2013486

Direct: (480) 999-7122    

Cell:  (602) 284-3497

Office:  (480) 897-9777

Fax:  (888) 279-0378

Email: jrios@starboardfinancial.com

Starboard Financial Management, LLC
4145 E. Baseline Rd, Gilbert, AZ  85234

With over 9 years of industry experience and a passion for helping families achieve their homeownership goals, Joseph brings a personal, hands-on approach to every transaction. He began his real estate journey in 2015 and transitioned into mortgage loan origination in 2020 to offer his clients a more comprehensive and empowering homebuying experience.

Originally from the Bronx, New York, Joseph has also called Arizona home and now resides in Florida with his wife and three children. Whether he’s coaching clients through their first home purchase or building long-term relationships, Joseph is committed to delivering top-tier service and sound financial guidance every step of the way.

Outside the office, Joseph enjoys working out, trips to the beach, and traveling to the Dominican Republic—especially Punta Cana and Samaná. He’s a fan of salsa, bachata, and merengue, and has always been active in sports like basketball, baseball, and boxing.

If you’re looking for a trusted advisor who truly understands the full scope of real estate and lending, Joseph is your guy. Hablo español!

With over 9 years of industry experience and a passion for helping families achieve their homeownership goals, Joseph brings a personal, hands-on approach to every transaction. He began his real estate journey in 2015 and transitioned into mortgage loan origination in 2020 to offer his clients a more comprehensive and empowering homebuying experience.

Originally from the Bronx, New York, Joseph has also called Arizona home and now resides in Florida with his wife and three children. Whether he’s coaching clients through their first home purchase or building long-term relationships, Joseph is committed to delivering top-tier service and sound financial guidance every step of the way.

Outside the office, Joseph enjoys working out, trips to the beach, and traveling to the Dominican Republic—especially Punta Cana and Samaná. He’s a fan of salsa, bachata, and merengue, and has always been active in sports like basketball, baseball, and boxing.

If you’re looking for a trusted advisor who truly understands the full scope of real estate and lending, Joseph is your guy. Hablo español!

The Starboard Way!

Fha Mortgage Loan

Discovery

Let’s get clear on what you’re wanting and by when.                                                                               

study_cover.jpg

Planning

Let’s discuss loan programs and options.

                       

Family-Law-pic.png

Pre-Approval

Let’s review your credit, income, and assets to determine payment and down payment amounts.

What Sets Us Apart

What Sets Us Apart

1. Variety of Loan Programs

At Starboard, we offer a broad variety of loan programs to meet the unique needs and goals of every client. Understanding that each homeowner’s journey is different, our mission is to guide you towards a tailored mortgage solution that fits just right.

2. Premier Customer Service

Our commitment to premier customer service sets us apart. We prioritize open communication, quick response times, and personalized attention because you’re not just a transaction, you’re a valued client and we’re here to make your journey to home ownership as seamless and enjoyable as possible.

3. Fast and Easy Application Process​

We’ve streamlined the mortgage application process to be fast and easy. We understand that time is of the essence, so we’ve developed a hassle-free, intuitive application process to get you on your way to home ownership swiftly.

4. Your Experienced Lending Partner​

We are more than just a mortgage company; we are your experienced lending partner. Leveraging years of industry experience, our team is equipped to guide you through the intricacies of mortgage lending.

Types of Loans We Offer

FHA_home_loan_b


Conventional Home Loan

Construction-to-Permanent loans cover not only the construction period but are then converted to the traditional mortgage. Homebuyers make interest only payments. Since this type of loan rolls into a conventional mortgage, buyers will only pay one set of closing costs.


Refinance

Refinances are undertaken by borrowers to take advantage of market conditions, adjust their monthly budget, limit their exposure during financial difficulty, simplify debt management, or gain a tax advantage in certain situations.


First Time Home Buyers

Starboard Financial holds a special place for first-time home buyers in our company philosophy. Giving first-time home buyers the advice and knowledge to make an informed home buying decision is one of our truest pleasures.


Veteran Options

Starboard is a proud supporter of retired, reservist, and active duty members of the U.S. Armed Forces, by providing easy access to home loans guaranteed through the Veterans’ Administration.

Construction Loans

Construction-only loans, as the name implies, funds only the build of the house. It does not roll into the mortgage. Qualifying standards are more difficult, and interest rates are likely to be higher than traditional loans due to the prime-plus interest rate, since there is a higher level of risk.

Types of Loans We Offer

FHA_home_loan_b


Conventional Home Loan

Construction-to-Permanent loans cover not only the construction period but are then converted to the traditional mortgage. Homebuyers make interest only payments. Since this type of loan rolls into a conventional mortgage, buyers will only pay one set of closing costs.


Refinance

Refinances are undertaken by borrowers to take advantage of market conditions, adjust their monthly budget, limit their exposure during financial difficulty, simplify debt management, or gain a tax advantage in certain situations.


First Time Home Buyers

Starboard Financial holds a special place for first-time home buyers in our company philosophy. Giving first-time home buyers the advice and knowledge to make an informed home buying decision is one of our truest pleasures.


Veteran Options

Starboard is a proud supporter of retired, reservist, and active duty members of the U.S. Armed Forces, by providing easy access to home loans guaranteed through the Veterans’ Administration.

Construction Loans

Construction-only loans, as the name implies, funds only the build of the house. It does not roll into the mortgage. Qualifying standards are more difficult, and interest rates are likely to be higher than traditional loans due to the prime-plus interest rate, since there is a higher level of risk.

About Starboard Financial

Starboard Financial is a full service lender offering a variety products to meet all home financing needs.

We underwrite upfront which makes closing much smoother and simpler for our customers and partners.

We’re in the people business and provide a wide variety of loan programs with great rates and next-level customer service.

The closing date is not a suggestion, it’s everything!

Experience the Starboard Way today!

About Starboard Financial

Starboard Financial is a full service lender offering a variety products to meet all home financing needs.

We underwrite upfront which makes closing much smoother and simpler for our customers and partners.

We are in the people business and provide a wide variety of loan programs with great rates and next-level customer service.

The closing date is not a suggestion, it’s everything!

Experience the Starboard Way today!

Mark Blodgett-960x960

“It’s about relationships and creating easy transactions!”

Mark Blodgett - Owner

Mark Blodgett-960x960

“It’s about relationships and creating easy transactions!”

Mark Blodgett - Owner

Mark Blodgett-960x960

“It’s about relationships and creating easy transactions!”

Mark Blodgett - Owner

info@starboardfinancial.com 4145 E Baseline Rd, Gilbert, AZ 85234 | NMLS# 156931 NMLS Consumer Access

© 2021 Starboard Financial Management, LLC – Mortgage Made Easy

© 2021 Starboard Financial Management         LLC – Mortgage Made Easy