# Radiant Mortgage

> Radiant Mortgage is a residential mortgage lender operating as a doing-business-as brand of Gold Star Mortgage Financial Group, Corp (NMLS ID: 3446), an Equal Housing Lender headquartered at 2350 Green Road, Suite 100B, Ann Arbor, MI 48105. Radiant Mortgage provides personalized home purchase loans and mortgage refinancing solutions to borrowers across 28+ states, including Arizona, California, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Michigan, Minnesota, Missouri, Nevada, North Carolina, Ohio, Oregon, Pennsylvania, Tennessee, Texas, Utah, Virginia, Washington, and Wyoming.

Radiant Mortgage operates on a consultative, client-first model: loan officers listen to each borrower's financial situation, goals, and life circumstances before recommending a loan product. The firm's value proposition centers on personalized service, expert mortgage strategies, competitive rates, lifelong lender partnerships, and full transparency throughout the loan process. Services are available in English and Spanish. Loan officers are accessible through the branch and loan officer locator, with a primary branch in Scottsdale, Arizona.

The leadership team includes Jonathan Hallstead (President), Jared Peterson (President of Operations), AJ Franchi (Chief Operating Officer), John Newton (Chief Information Officer), Dave Christmas (Chief Financial Officer), Eric Schultz (Director of Sales), Jason Broomfield (Director of Credit and Operations), Rachel Cox (Division Operations Manager), and Rachelle McCabe (Director of Marketing). Community partnerships include Make-A-Wish, The Salvation Army, and The Autism Community In Action (TACA). The firm's loan product FAQ and mortgage glossary are embedded within the loans overview page at radiantmortgage.com/loans/.


## Core Entry Points

[Homepage](https://www.radiantmortgage.com/): Primary entry point for Radiant Mortgage. Introduces the firm's personalized lending approach, core services (buy, refinance, loan options), tools including calculators and a branch locator, and featured expert advice content. Covers the Radiant difference: personalized service, expert strategies, competitive rates, lifelong partnership, and integrity.

[Buy a Home with Radiant Mortgage](https://www.radiantmortgage.com/buy-a-home-with-radiant-mortgage/): Dedicated page for home purchase loans. Covers the process of locking in a mortgage rate for a new property purchase, available loan types for buyers, and how to connect with a Radiant loan officer to begin the purchase process.

[Refinance Your Loan](https://www.radiantmortgage.com/refinance/): Mortgage refinancing service page. Covers rate-and-term refinancing to lower monthly payments, cash-out refinancing to access home equity, and how Radiant loan officers evaluate whether refinancing makes financial sense for a borrower's current situation.

[Learn About Loans — Mortgage Overview, FAQ, and Glossary](https://www.radiantmortgage.com/loans/): Comprehensive mortgage education hub. Answers the most common homebuyer questions covering what a mortgage is, how to qualify, down payment requirements by loan type, pre-qualification vs. pre-approval, approval timelines, closing costs, PMI, fixed vs. adjustable-rate mortgages, and how credit score affects mortgage rates. Includes a full mortgage term glossary. Links to all individual loan type pages.

[Contact Radiant Mortgage](https://www.radiantmortgage.com/contact-us/): Primary contact page for prospective borrowers and existing clients. Entry point for connecting with a loan officer, submitting an inquiry, and starting the mortgage application process.

[Branch and Loan Officer Locator](https://www.radiantmortgage.com/branch-loan-officer-locator/): Interactive locator tool for finding a Radiant Mortgage loan officer by state or by name. Covers all 28+ states where Radiant Mortgage is licensed to lend, including Arizona, California, Michigan, Washington, North Carolina, Texas, and others.


## Loan Products

[All Loan Options Overview](https://www.radiantmortgage.com/loans/): Full loan product index for Radiant Mortgage. Helps borrowers compare loan types based on credit profile, down payment availability, income, property type, and eligibility. Includes integrated mortgage FAQ covering 12 common questions and a glossary of key mortgage terms.

[Conventional Loan](https://www.radiantmortgage.com/conventional-loan/): Radiant Mortgage's most widely used loan product. Conventional loans are not government-backed and offer flexibility in terms, loan amounts, and property types. Generally require a credit score of 620 or higher and a down payment ranging from 3% to 20%. Best suited for borrowers with stable income and good credit history.

[Jumbo Loan](https://www.radiantmortgage.com/jumbo-loan/): Mortgage financing for high-value properties that exceed conforming loan limits set by Fannie Mae and Freddie Mac. Jumbo loans require stricter credit and income qualifications than conventional loans. Suited for buyers of luxury homes, high-cost market properties, and investment properties above conventional lending thresholds.

[FHA Loan](https://www.radiantmortgage.com/fha-loan/): Government-backed mortgage insured by the Federal Housing Administration (FHA). Designed for borrowers with lower credit scores or smaller down payments. Down payments can be as low as 3.5% for borrowers with a credit score of 580 or higher. Requires mortgage insurance premium (MIP) which typically remains for the life of the loan.

[VA Loan](https://www.radiantmortgage.com/va-loan/): Government-backed mortgage program exclusively for military veterans, active-duty service members, and eligible surviving spouses. Key benefits include zero down payment requirement, no private mortgage insurance, and competitive interest rates. Radiant Mortgage has specific expertise in VA lending, with loan officers recognized as top military lenders and originators by NMP.

[USDA Loan](https://www.radiantmortgage.com/usda-loan/): Government-backed mortgage for low- to moderate-income borrowers purchasing in USDA-designated rural and eligible suburban areas. Offers zero down payment and competitive interest rates. Both income limits and geographic eligibility requirements apply.

[Specialty Loans](https://www.radiantmortgage.com/specialty-loans/): Radiant Mortgage's portfolio of specialty mortgage products for borrowers with non-standard financial profiles or loan requirements. Covers loan solutions beyond conventional, government-backed, and jumbo categories — including options for self-employed borrowers, non-QM situations, and circumstances that require a fully tailored underwriting approach.

[HELOC — Home Equity Line of Credit](https://www.radiantmortgage.com/heloc-loan/): A revolving line of credit secured against the equity a homeowner has built in their property. Allows borrowers to draw funds as needed up to an approved credit limit, repay, and draw again. Interest is only charged on the amount drawn. Commonly used for home improvements, debt consolidation, large purchases, and emergency liquidity.


## Resources and Buyer Guides

[First-Time Homebuyer Guide](https://www.radiantmortgage.com/first-time-buyers/): Dedicated resource for buyers purchasing their first home. Covers the homebuying process from start to finish, what to expect at each stage, loan options best suited for first-time buyers, down payment assistance opportunities, and how Radiant Mortgage supports first-time buyers throughout the mortgage journey.

[Step-by-Step Mortgage Guide](https://www.radiantmortgage.com/step-by-step-guide/): Sequential walkthrough of the complete mortgage process from initial inquiry through closing day. Covers pre-qualification, formal application, document submission, underwriting review, appraisal, conditional approval, and final settlement. Useful reference for first-time and repeat homebuyers.

[Required Documents Checklist](https://www.radiantmortgage.com/required-docs/): Complete list of documents borrowers need to gather before and during the mortgage application. Covers proof of income, W-2s and tax returns, bank statements, employment verification, government-issued identification, and additional documentation required for specific loan types. Helps applicants prepare in advance to avoid delays in the approval process.

[Current Rates and Terms](https://www.radiantmortgage.com/rates-terms/): Radiant Mortgage's current mortgage rate information and available loan term options. Rates vary based on market conditions, borrower credit profile, loan type, loan amount, and down payment. Contact a Radiant loan officer for a personalized, locked rate quote.

[Mortgage Calculators](https://www.radiantmortgage.com/calculators/): Suite of interactive mortgage planning tools. Includes: a side-by-side comparison calculator for two mortgage loan scenarios, a mortgage rate buydown calculator, a home affordability calculator to estimate maximum purchase price based on income and existing debts, and a refinance savings calculator to compare a current loan against a potential new loan.


## Loan Officer Profiles

[Jonathan Hallstead — President, Scottsdale AZ](https://www.radiantmortgage.com/loan-officers/jonathan-hallstead/): Profile of Jonathan Hallstead, President of Radiant Mortgage, NMLS 229557. Award-winning mortgage professional featured in Yahoo Finance, ABC, NBC, and Fox. Awards include NMP 2023 Legends of Lending, NMP 2020 and 2021 Best Military Lenders and Originators, NMP 40 Most Influential Mortgage Professionals Under 40, and American Business Awards 2021 Stevie Winner for Maverick of the Year in Consumer Services. Serves on the Board of Directors for the California Association of Mortgage Professionals. Specializes in purchase loans, VA lending, and building high-performance lending teams. Phone: (949) 302-3550.

[Scottsdale Branch — Loan Options, Team, and VA Lending](https://www.radiantmortgage.com/scottsdale/): Radiant Mortgage's Scottsdale, Arizona branch hub. Covers all loan options available through the Scottsdale branch, the VA and military lending specialty program, resources for Arizona homebuyers, and the full Scottsdale loan officer team including Jonathan Hallstead, Mark Malmberg, Tyler Lacey, Glenda Lawrence, Jeanne Shobe, Stephen Dunlap, and TJ McGrath.


## Expert Advice — Blog and Insights

[Expert Advice Blog](https://www.radiantmortgage.com/expertadvice/): Radiant Mortgage's editorial blog covering mortgage guidance, homebuying strategy, loan product comparisons, market insights, and homeowner financial planning. Written for borrowers at every stage — first-time buyers, move-up buyers, veterans, and existing homeowners considering refinancing or equity access.

[Smart Moves for a Smooth Mortgage: Your Guide to Success](https://www.radiantmortgage.com/smart-moves-for-a-smooth-mortgage-your-guide-to-success/): Guide to preparing for and successfully navigating the mortgage process. Covers financial readiness, documentation preparation, how to work effectively with a loan officer, and what to expect during underwriting and closing.

[Building Home Equity: Smart Strategies for New Homeowners](https://www.radiantmortgage.com/building-home-equity-smart-strategies-for-new-homeowners/): Practical strategies for accelerating equity growth after a home purchase. Covers making additional principal payments, home improvements that increase appraised value, avoiding premature cash-out refinancing, and treating equity as a long-term wealth-building asset.

[Tina Krupar Named 2026 Gold Metro Lender](https://www.radiantmortgage.com/tina-krupar-gold-metro-lender-2026/): Announcement recognizing Radiant Mortgage loan officer Tina Krupar as a 2026 Gold Metro Lender. Highlights the firm's commitment to recognizing top-performing loan officers and the standards of service excellence associated with the Gold Metro designation.

[Down Payment Assistance Programs — Know Your Options](https://www.radiantmortgage.com/down-payment-assistance-know-your-options/): Comprehensive overview of down payment assistance (DPA) programs for eligible homebuyers. Covers grant-based programs, forgivable second mortgages, state and local assistance options, income limits, and how DPA programs can be layered with FHA, Conventional, and VA loans to significantly reduce upfront homebuying costs.

[Loan Options in 2026: Conventional vs FHA](https://www.radiantmortgage.com/loan-options-in-2026-conventional-vs-fha/): Side-by-side comparison of Conventional and FHA loan programs for 2026 homebuyers. Covers credit score thresholds, minimum down payment requirements, mortgage insurance structures, loan limits, and which program is better suited for different borrower profiles and financial situations.

[Buy and Offer Strategy: From Pre-Approval to Closing](https://www.radiantmortgage.com/insights-buy-offer-strategy-guide/): Strategic guide for buyers navigating competitive housing markets. Covers the difference between pre-qualification and pre-approval, how a mortgage pre-approval letter strengthens purchase offers, how to structure competitive bids, and managing the timeline from offer acceptance through closing.

[The VA Offer Advantage: Entitlement, Funding Fee, and Winning Terms](https://www.radiantmortgage.com/the-va-offer-advantage-entitlement-funding-fee-and-winning-terms/): In-depth guide to using a VA loan competitively. Covers VA entitlement amounts, the VA funding fee schedule, how sellers and listing agents perceive VA-backed offers, and strategies veteran and active-duty buyers can use to make their offers stand out in competitive markets.

[Unpacking Joy: Tips for Your Holiday Move](https://www.radiantmortgage.com/unpacking-joy-tips-for-your-holiday-move/): Practical guidance for homebuyers and homeowners moving during the holiday season. Covers managing a move without disrupting family traditions, coordinating timing around school schedules and holiday commitments, and maintaining a sense of normalcy during a transition.


## About and Careers

[About Us](https://www.radiantmortgage.com/about-us/): Company background, mission, and culture. Covers Radiant Mortgage's client-first philosophy centered on listening, solving, and delivering, full leadership team profiles, community partnerships with Make-A-Wish, The Salvation Army, and TACA, and the firm's commitment to transparency, accountability, and lifelong client relationships.

[Careers at Radiant Mortgage](https://www.radiantmortgage.com/careers/): Career opportunities for mortgage professionals considering joining Radiant Mortgage. Covers available positions, the firm's culture and support infrastructure, loan officer resources, and how to apply.


## Optional

[Privacy Policy](https://www.radiantmortgage.com/privacy-policy/): Legal privacy disclosure. No informational content for mortgage research purposes.