At North Star Mortgage Network, we help Florida borrowers navigate FHA loans, including FHA manual underwriting 2025. If your loan doesn’t receive automated approval, manual underwriting gives you another path to homeownership. This process looks at your full financial picture and allows more flexibility when needed. When Is FHA Manual Underwriting 2025 Required? FHA manual…

DSCR Checklist for Submitting DSCR Loans: Everything Brokers Need to Know If you’re preparing to submit a loan using a Debt Service Coverage Ratio (DSCR) structure, following the correct process is critical. This guide outlines the complete DSCR checklist for submitting DSCR loans, ensuring brokers and loan officers avoid common delays and compliance issues. Whether…

Effective immediately, the Federal Housing Finance Agency (FHFA), along with Fannie Mae and Freddie Mac, has approved VantageScore 4.0 mortgage credit scoring models for use on loans delivered to the GSEs (Government-Sponsored Enterprises). This marks one of the most significant updates in mortgage lending in years—and it has the potential to expand access to homeownership…

When it comes to flexible real estate investment financing, few options are as powerful as DSCR loans using SMART VEST. This program is specifically designed for U.S. citizens and permanent residents who want to qualify based on the property’s rental income rather than personal income or employment status. Whether you’re a seasoned landlord or a…

The Non-QM SMART Series Suite of Products offers an extensive array of flexible mortgage solutions designed for borrowers who fall outside traditional lending guidelines. Whether you’re a seasoned landlord, self-employed business owner, or foreign national, these Non-QM programs provide accessible options without sacrificing opportunity. Key Loan Programs Within the Non-QM SMART Series Suite of Products…

If you’re applying for a home loan and planning to use a gift, it’s important to understand the rules. This post covers gift funds for mortgages 2025—who can give them, what loan programs allow, and what paperwork is needed. Each loan type has its own guidelines. The FHA, VA, USDA, and conventional programs (Fannie Mae…

DSCR loans for investors are designed to qualify based on a property’s income—not your personal job or tax history. That means no pay stubs, no W-2s, and no income statements. Instead, we use the rent to determine if the property covers its own payment. It’s fast, flexible, and yes—you can close in an LLC. Why…

If you’re considering buying a home in Florida and want to avoid a large down payment, understanding the USDA home loan guidelines 2025 could open the door to homeownership. At North Star Mortgage Network, we help families every day secure 100% financing through USDA-backed mortgages—and we know exactly how to get them done right. This…

If you’re buying or refinancing a mobile or modular home in Florida, understanding the manufactured home mortgage guidelines 2025 is essential. From FHA to VA and USDA to Fannie Mae and Freddie Mac, each agency has its own eligibility rules—and not all manufactured homes qualify. At North Star Mortgage Network, we’re here to make sure…

What Buyers Need to Know in Today’s Lending Environment If you’re planning to finance a manufactured home this year, it’s essential to understand the manufactured home mortgage guidelines for 2025. Each loan type—FHA, VA, USDA, Fannie Mae, and Freddie Mac—has specific rules that can affect your eligibility and timeline. At North Star Mortgage Network, we…