As a full-service company, W. R. Starkey Mortgage offers a full range of mortgage products designed to meet the consumer’s needs. All of our existing products, as well as any newly developed products, will be made available to our customers. This broad product selection includes: Conventional Conforming Fixed-Rate, Balloon, and Adjustable-Rate Mortgages. FHA/VA Fixed and Adjustable Rte Mortgages, Non-Conforming (Jumbo) Fixed and Adjustable Rate Mortgages. No down payment/No PMI (80/20) Mortgages, Interest Only Fixed and Adjustable Rate Mortgages. Sub-Prime (less than perfect credit) and Home Equity Conversion (Reverse) Mortgages. In addition, we offer expanded criteria programs featuring Reduced Documentation, Stated Income, No Ratio, and No Income/No Asset (NINA) documentation. At W. R. Starkey we originate, process, underwrite, close, and fund residential mortgage loans in our name. This “in-house” authority provides us with increased control over the mortgage process which results in superior customer Service. Cay Stull Starting in the mortgage business as a processor and closer over 25 years ago, has given me the knowledge I need to take my clients from application to closing smoothly, educating them during the process, so as to keep the transaction understandable and simple. I take a personal interest in each transaction. Being at WR Starkey Mortgage has given me the tools required to shop for the best programs and rates for my applicants. It also allows me to finance people who may not have been approved at other mortgage companies. People are the single most important factor in my job.