At North Star Mortgage Network, we understand that life doesn’t always follow the credit bureau’s timeline. Whether you’re new to the U.S., just starting your financial journey, or simply haven’t used credit recently, being “unscoreable” can feel like hitting a brick wall—especially when it comes time to apply for a mortgage or secure a loan.…

If you’re a veteran or active-duty service member with a current VA home loan, you may have access to one of the most efficient and hassle-free refinance options available today — the IRRRL, or Interest Rate Reduction Refinance Loan. Also known as a VA Streamline Refinance, this program was specifically created to help veterans lower…

Reverse mortgages have helped over a million American retirees meet their financial needs and enrich their quality of life in retirement. For many homeowners age 62 and older, a reverse mortgage isn’t just a lifeline — it’s a strategic tool to support a more stable, confident retirement. Whether it’s boosting income, eliminating mortgage payments, or…

At North Star Mortgage Network, we specialize in helping clients secure mortgage loans based on future income, even before they officially start their new jobs. In many cases, it is actually easier to close a loan before the employment start date rather than waiting until after, which would require pay stubs and written verification of employment (VOE).…

A second mortgage can be a valuable financial tool for homeowners looking to access their home’s equity for renovations, debt consolidation, or investment opportunities. At North Star Mortgage, we specialize in helping homeowners and real estate investors secure the best financing solutions, including HELOCs (Home Equity Lines of Credit), HELOANs (Home Equity Loans), and FIXLINE…

It may seem logical to pay off old debt, close accounts, or eliminate outstanding balances before applying for a mortgage. However, certain actions can actually hurt your credit score rather than help it. 1. Closing Old Accounts Can Shorten Your Credit Report History Lenders look at the length of your credit history to assess financial…

Just as sailors once relied on the North Star to navigate their journeys, Nathan Young has dedicated his career to guiding homebuyers through the mortgage process with expertise and care. As the founder of North Star Mortgage Network, Inc., Nathan’s commitment to transparent and professional mortgage services has helped countless individuals and families achieve homeownership…

The VA loan program is one of the most powerful mortgage benefits available to those who have served in the U.S. military. While many are aware of its benefits, there are several aspects of VA loans that might surprise you. Let’s dive into some lesser-known facts about VA loans. 1. No Maximum Loan Limit for…

Purchasing a home is one of the biggest financial decisions you’ll make, and understanding your budget is crucial. Before you begin house hunting, using mortgage calculators can help you get a realistic picture of your financial situation and ensure you’re making an informed decision. At North Star Mortgage Network, we provide a variety of mortgage…

Buying a home is an exciting milestone, but the mortgage process can feel overwhelming if you’re not prepared. At North Star Mortgage Network, we want to help make your home buying process easier. Follow these seven essential tips to keep things moving efficiently and avoid unnecessary delays. 1. Send All Requested Documentation at Once One…