It’s July—which means now is the perfect time to revisit your budget and reset your goals. This mid-year financial checklist will help you assess your progress…

2026 Update: Reviewed September 2026. FHA manual underwriting ratio limits remain 31/43 with no compensating factors, 37/47 with one, 40/40 with no discretionary debt, and 40/50 with two. FHA guidelines may change, and lender overlays may be stricter. At North Star Mortgage Network, we help Florida borrowers navigate FHA loans, including FHA manual underwriting. If…

Short answer Gift funds are allowed on conventional, FHA and VA loans. What changes by program is who is allowed to give, how the money has to be documented, and whether any of the down payment still has to be your own. Call or text 904-880-6741 Ask about your actual file — no SSN, no…

2026 Update (September 2026) USDA charges a 1% upfront guarantee fee (it can be financed) and a 0.35% annual fee on the average unpaid balance, paid monthly.

primary residence for disabled child or elderly parent

Family Opportunity Mortgage Florida rules let you buy a home for a parent or adult child at primary-residence terms.

Understanding how student loan payment when qualifying for a mortgage is calculated is crucial—especially for borrowers with deferred or income-based repayment…

At North Star Mortgage Network, we often hear from buyers who say, “We’re going to wait and see what happens with the market.” While that may feel like a…

Purchasing a home is one of the most significant investments you’ll make. Amidst the excitement, it’s crucial not to overlook the importance of protecting your…