Your Businesss


A Message from our ceo

About Anita Padilla-Fitzgerald:

Welcome to our website! I’m proud to bring over 45 years of experience to our company, which I have built with a singular focus: to support professional loan officers, whom I view as our primary customers. Our commitment to serving loan officers is reflected in everything we do, from our integrated technology stack that combines POS, LOS, and CRM into a single, user-friendly system, to our competitive pricing enabled by low production costs. This streamlined approach not only simplifies training but also enhances overall efficiency, allowing loan officers to focus more on what they do best without the hassle of juggling multiple systems. Our dedication is further demonstrated by our exceptional employee retention rate, with 97% of our team staying with us for three years or longer. This stability translates into superior service and increased productivity, ensuring that every loan officer who partners with us enjoys the benefits of both great systems and profound expertise. Thank you for considering us as your trusted partner in growth and success.

Where talent thrives

With More Than 25 Years of Experience, we stand as a testament to enduring excellence and industry leadership. Our experience is a reflection of our journey through evolving market landscapes, which equips us with the insights and understanding to succeed.

Our 10+ Year Tenured Management Team demonstrates our dedication to leadership stability and deep industry expertise. Reflecting our commitment to fostering a supportive  environment for our employees, where mentorship and career growth are part of our culture.

Our impressive servicing portfolio underscores our impact and trust within the mortgage industry. It’s not just a testament to our financial strength and operational excellence; it reflects the deep trust our clients place in us and our commitment to serving their needs. 

Our Profit Sharing and Earned Ownership Stock programs are more than benefits; they’re a declaration of our belief in shared success. By joining our team, you become part of a culture that values contributions, rewarding them with ownership and a share in our profits.



As a FNMA / FHLMC / GNMA approved seller and servicer we recognize the power of choice in mortgage products and programs—not just for our clients but also for our Loan Officers. Our extensive suite of offerings ensures you have the tools and flexibility needed to meet the unique needs of every client as well as helping your realtor partners grow their business! 

Manufacturing process

At MegaStar Financial, we recognize that a sturdy manufacturing process is essential for loan officer and client success. Every step is important to the mortgage origination process.

Independent Mortgage Banking The Best of Both Worlds

Being a full service Independent mortgage banker allows us to be in control of the mortgage process from application to funding while also offering unique solutions to common problems and giving loan officers the perfect balance of support and freedom. 

Structure & Support

  • In house processing & underwriting keeps you connected
  • In house servicing provides stability and 5-star service
  • Resources and tools to help you succeed 
  • Guidance and expert help 

Freedom & choice

  • Access to a wide range of investors and rates keeping you competitive 
  • Access to unique programs and solutions to help your clients and realtors
  • Expense Model vs Retail Model
  • Run your origination business 


Our Marketing and Business Development team offers extensive resources, including video production, dynamic social media content, and marketing strategies for new loan products. Our support extends through every step of your journey, from an 8-step agent prospecting system to customized material creation and design. Your agents get to stay informed with weekly market reports and enhance client engagement with our monthly newsletter. Plus, our daily marketing Q&A sessions are here to resolve your queries promptly.


Like many, we could easily claim ‘family’ as the heart of our culture at Megastar. Yet, where we break the mold is in our relentless pursuit of innovation. Beyond the warm camaraderie, we’re trailblazers, integrating cutting-edge technology, streamlining processes, and rolling out forward-thinking programs. This isn’t just about nurturing our internal family; it’s about ambitiously guiding our Loan Officers beyond conventional boundaries to excel and grow their businesses. As we do, we’re also expanding the notion of home, ensuring communities across the United States can experience the dream of homeownership. In essence, we’re a family with a mission, committed to leaving a mark not just within our walls but across the nation.


We promise to take complete and qualified applications


  • Streamline the loan process 
  • Reduce delays and increase approvals
  • Allows you to focus more on client relationships and less on paperwork.
  • Shorter lock period.

We promise to stay in touch and keep clients in the loop with our status reports

  • Grow trust with clients and realtors
  • Build confidence in your services
  • Earn a reputation of great communication

We promise to track and meet contract deadlines, protecting client earnest money

  • Safeguard clients’ earnest money 
  • Reduce stress by preventing last-minute issues
  • Build your reputation as a dependable Loan Officer who delivers result

We promise to deliver accurate closing figures three business days before closing

  • Seamless closing process with accurate figures 
  • Minimize surprises
  • Reflects our commitment to precision and reliability, enhancing your credibility and client satisfaction

presidents club

Hard Work Is Rewarded

Join the elite ranks in our President’s Club, where exceptional performance meets recognition. At MegaStar, we celebrate your achievements by providing an experience that’s as extraordinary as your contribution. 

Places We’ve Traveled

  • Alaska
  • Canada
  • Caribbean Islands
  • France
  • Greece
  • Greek Islands
  • Hawaii
  • Italy
  • Mexico
  • Rome
  • Spain
  • Turkey

Let's start a conversation.

John Owens
Executive Vice President
Chief Strategy Officer

Cassidy O’Sullivan
Vice President of Growth

“A good reason why you may want to offer below 5% is when you’re paying with cash (although companies who offer sellers cash for their home will typically offer 65% below market price).”

Publisher: HomeLight
Article: Is It Too Low? What Is Reasonable to Offer Below Asking Price
Link: https://tinyurl.com/2jp6kbmh

    1098 forms were mailed 1/26/2024. 

    If you have questions or need assistance with your 1098 form, please send your question to servicing@megastarfinancial.com.