Yes. Self-employed borrowers can qualify using tax returns, bank statements, or alternative income documentation, depending on the loan program. A mortgage broker can help identify lenders that specialize in self-employed borrowers.

Most lenders will ask for: Recent pay stubs Last two years of W-2s or tax returns Bank statements Photo ID Authorization to pull credit Self-employed and investment property loans may require additional documentation.

Credit score requirements vary by loan program: FHA loans: typically start around 580 Conventional loans: often 620 or higher VA loans: no official minimum, but lenders may have overlays Even if your score is lower, options may still be available.

For most borrowers, a mortgage broker offers more options, greater flexibility, and personal service than a big bank. Banks only offer their own loan products, while brokers can access dozens of lenders, including wholesale rates not available directly to consumers. Reputable Brokers are better.

A mortgage broker works on your behalf to shop multiple lenders and loan programs to find the best mortgage for your situation. Instead of being limited to one bank’s products, a broker compares rates, terms, and guidelines across many lenders to help you save money and avoid unnecessary delays.

Mortgage rates change daily and are based on your specific scenario—there isn’t a single rate that fits everyone. Your rate is influenced by factors such as: Credit score Loan type (FHA, VA, Conventional, DSCR, etc.) Down payment or equity Property type and occupancy Market conditions that change every day At North Star Mortgage Network Inc.,…

Because choosing a mortgage isn’t just about a rate — it’s about who’s actually working in your best interest. At North Star Mortgage Network Inc., we operate very differently than big banks, credit unions, or online call-center lenders. Here’s the real difference: More loan options – We shop multiple wholesale lenders, not just one bank’s…

Yes — title insurance is strongly recommended. When you buy a home, you’re making one of the largest financial investments of your life. Protecting your ownership rights is critical. In most transactions: Lender’s title insurance is required and protects the mortgage lender Owner’s title insurance is optional, but it protects you, the homeowner Owner’s title…

Yes — student loans can affect your ability to qualify for a mortgage. Even if your student loans are in deferment or forbearance, most mortgage programs still require a monthly payment to be counted in your debt-to-income (DTI) ratio. At North Star Mortgage Network Inc., we follow the official guidelines set by FHA, VA, USDA,…

To accurately price a reverse mortgage, we need a few key details. At North Star Mortgage Network Inc., we use this information to determine eligibility, loan amount, and available options—including Jumbo Reverse Mortgages for higher-value homes. To get started, please provide: Name(s) and date(s) of birth (borrowers must be 62 or older) Subject property ZIP…