to Your Success

At Shining Star Funding, Experience Matters

Every interaction with us as individuals and as a company is crafted with you in mind.

Whether you’re a first-time buyer, refinancing your home, building the home of your dreams, or a seasoned investor, our top priority is to make the loan process as convenient, transparent, and simple as possible. We want you to leave the transaction comfortable that you’ve received the information and options necessary to have made the right decision for your financial future.

We’ve made it our mission to Create Experiences That Matter.

Fast Closing

Shining Star Funding consistently closes purchase transactions faster than any other mortgage lender. We are famous for our 14-day closes that get offers accepted.

Competitive Low Rates

Shining Star Funding has some of the lowest rates available! You can see our daily quoted rates & scenarios posted here.

No Commissions & No Pressure

Unlike most mortgage companies, Shining Star Funding has no commissioned loan officers. We are bona fide licensed consultants operating on your behalf.

Available 7 days a week

We know how important it is to be available on the weekends. A licensed Mortgage Analyst is always on call.

60-minute responses & constant updates

You always receive responses to inquiries within 60-minutes during business hours, and are kept constantly updated on your loan status.


We love calling listing agents!

We help your offers get accepted. We’ll call Listing Agents on-demand to tout the strength of your offer and pre-approval.

We are a direct lender

You won’t run into delays or bottlenecks because our underwriters and funders are under the same roof and work directly with your Closing Specialist.

Pre-underwritten “pre-approvals”

We take the extra time and effort to do a full “Pre-Approval” at the beginning of the process so you can make offers with confidence.

Highly-trained, diligent, & friendly

We have the most extensive training program in the industry. Our licensed Mortgage Analysts are true experts and will guide you every step of the way.

You have questions, we have answers.

Together, we’ll find great mortgage solutions.
Schedule a talk with a loan advisor or leave a message. We’ll get back within one business day.

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6101 Bollinger Canyon Rd #344, San Ramon, CA 94583
Toll Free Call : (866) 280-0020

Copyright ©2023 Shining Star Funding A division of American Pacific Mortgage LLC | NMLS ID # 1850 ( | 6101 Bollinger Canyon Rd #344, San Ramon, CA 94583 Phone (925) 820-2981 | Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.

Interactive calculators are self-help tools. Results received from this calculator are designed for comparative and illustrative purposes only, and accuracy is not guaranteed. Shining Star Funding is not responsible for any errors, omissions, or misrepresentations. This calculator does not have the ability to pre-qualify you for any loan program or promotion. Qualification for loan programs may require additional information such as credit scores and cash reserves which is not gathered in this calculator. Information such as interest rates and pricing are subject to change at any time and without notice. Additional fees such as HOA dues are not included in calculations. All information such as interest rates, taxes, insurance, PMI payments, etc. are estimates and should be used for comparison only. Shining Star Funding does not guarantee any of the information obtained by this calculator.

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