We are a direct lender headquartered in Ann Arbor, MI. Closing more than $1 Billion in loans every year, we specialize in offering the lowest rates and fees on a variety of different mortgage loan programs. We pride ourselves on customer service and offer our clients a free, no obligation consultation to help determine which options are right for each unique situation. Available programs include Conventional and FHA purchase and refinance mortgages, FHA Streamline, VA Loans, and USDA Rural Development loan programs. Gold Star will never, ever, charge you an application fee!