Tap Into Your Equity Sooner—No Six-Month Wait Required At North Star Mortgage Network, we understand that buying a home with cash is a strategic move—but it can also leave your liquid funds tied up. Whether you’re purchasing a primary residence, vacation home, or investment property, our Non-QM Delayed Financing program allows you to access your…

Should I buy a home now? It’s a question more people are asking as rent prices climb and uncertainty swirls around the housing market. The truth is, buying a home isn’t just a financial move — it’s a life-changing decision that builds stability, equity, and long-term wealth. And while the timing may feel uncertain, here’s…

At North Star Mortgage Network, we believe every homeowner—and future homeowner—should understand their credit. One of the most important tools you have at your disposal is your free credit report. It’s your snapshot of financial health and a vital step in preparing for any mortgage or financial decision. Thankfully, federal law makes it easy for…

Understanding credit—how it works, how to improve it, and how to protect it—is more important than ever. At North Star Mortgage Network, we believe an informed borrower is an empowered borrower. Whether you’re preparing to buy a home, refinance, or simply want to take control of your financial future, knowing where to turn for reliable…

Are you living and working in the U.S. on a Visa or EAD card and wondering if homeownership is within reach? If so, you’re not alone—and the good news is: NON-PERMANENT RESIDENTS can absolutely qualify for mortgage financing. Whether you’re planning to purchase your first home or invest in real estate, there are real options…

Applying for a mortgage is one of the most important steps in the home-buying journey. At North Star Mortgage Network, we’re here to guide you through the process and ensure a smooth path to homeownership. If you’re wondering how to apply for a home loan, this guide will walk you through everything you need to…

Buying a home is a significant financial milestone, but not everyone qualifies for a mortgage on their own. If your income or credit history isn’t strong enough to secure a home loan, a non-occupant co-borrower could be the solution. This strategy allows a qualified individual—often a parent, relative, or trusted friend—to help you obtain financing…

Double Check My Mortgage Offer When shopping for a mortgage, one of the most crucial documents you’ll receive is the Loan Estimate. This document outlines the loan terms, interest rate, estimated closing costs, and other essential details about your mortgage. However, just because you’ve received a Loan Estimate doesn’t mean you’re getting the best possible…

What Do You Do with Someone Who Has Income but Does Not Have It Year-Round? Many individuals earn a significant portion of their income through seasonal employment, meaning they work for only part of the year but still maintain a stable financial situation. When it comes to qualifying for a mortgage, lenders have specific guidelines…

For homeowners who are paying Private Mortgage Insurance (PMI), removing it can lead to significant monthly savings. PMI is typically required when a borrower puts down less than 20% on a home, but it doesn’t have to be a permanent expense. North Star Mortgage Network is here to guide you through the PMI removal process…