Licensed in: CA, FL, TX
23330 Mill Creek Dr. Suite 250
Laguna Hills, CA 92653
Alexander Kim leads Star Financial's Retail Lending Division with a simple mandate: steady, straightforward mortgage advice and execution that protects clients' interests. He combines practical underwriting know-how with an insistence on clear, old-fashioned client service --no surprises, no jargon, just results. Under his leadership, the retail team focuses on tailored solutions across purchase and refinance scenarios, including conventional, FHA, VA, non-QM and DSCR products.
Alex is a family man and community leader who values time-tested principles: honesty, responsibility, and long-term stewardship. He brings those same principles to lending -- advising clients with prudence and encouraging financial decisions that support families for the long run. Alex and his team operate from Star Financial's Laguna Hills office and work closely with local brokers, realtors, and homebuyers to move deals efficiently and cleanly.
I still remember the couple who used their cash-out to remodel their aging kitchen â the pride on their faces when they hosted family again was everything. I'm Alex Kim, and for years I've helped homeowners convert home equity into practical, life-changing cash: to fix a roof, pay down high-interest debt, fund a small business, or make a house finally feel like home.
What I do (plain and practical):
I match hard numbers to real needs â no hype, no jargon.
I'll show you how much cash you can reasonably take, what it costs, and how it changes your monthly picture.
I'll flag risks up front (reserves, permits, credit items) and give honest guidance so you can decide with confidence.
Who this helps:
Homeowners with equity who want a lump sum for repairs, consolidation, investment, or family needs â especially self-employed borrowers and investors who need solutions that fit real cash flow.
Simple process:
Quick eligibility check â tell me your goal and an address.
Document review â tax returns, bank statements, mortgage statement.
Underwriting & appraisal â we verify value and qualifications.
Close & receive funds â clear instructions, local support.
Why work with me:
Traditional values â honesty, prudence, steady advising â paired with modern loan options (bank-statement, DSCR, conventional cash-out). I don't push products; I find the right fit and get the job done cleanly.
Ready to see your options?
Get a no-obligation cash-out estimate: (form CTA) or call Alex at 949-280-7690.
Alexander Kim â President, Retail Lending | NMLS 393715
Star Financial â 23330 Mill Creek Dr, Ste 250, Laguna Hills, CA 92653
Equal Housing Lender. All loans subject to credit approval, appraisal, and program guidelines.
