I am honored to share some exciting news. This year, the National Association of Mortgage Brokers recognized me, Nathan Young Florida Mortgage Expert, as the 2025 Mortgage Broker of the Year. This recognition reflects not only my dedication but also the hard work of our team at North Star Mortgage Network, which I founded to…

If you’re planning to finance a manufactured home this year, understanding the Manufactured Home Mortgage Guidelines 2025 is essential. Each loan program—FHA, VA, USDA, Fannie Mae, and Freddie Mac—has unique requirements that can affect your approval, appraisal, and closing timeline. At North Star Mortgage Network, we specialize in guiding Florida buyers through these rules so…

Homebuyers and homeowners in Florida now have new opportunities. The 2026 conforming loan limits have increased, and this change means more buying power for borrowers across the state. At North Star Mortgage Network, we are already accepting these new limits, giving our clients a head start ahead of the FHFA’s official release later this year.…

If you’re one of those asking “how much lower are mortgage rates after the Fed’s rate cut?”—this is required reading. Mortgage rates after Fed rate cut announcements often confuse homebuyers, especially in Florida. The truth is, mortgage rates don’t move in lockstep with the Federal Reserve’s decisions. Let’s break down what’s happening and what it…

If you are a Veteran with an existing VA loan, an Interest Rate Reduction Refinance Loan (IRRRL)—also known as a VA Streamline Refinance—may help you lower your monthly mortgage payments or secure a more stable, fixed interest rate. At North Star Mortgage Network, serving Veterans across Florida, we guide you through every step of the…

When it comes to your financial future, the decision between renting vs buying a home is one of the most important you’ll make. Yet, too many people rely on outdated advice and common myths that can hold them back from making the right choice. While renting may work in certain situations, these five myths about…

Understanding the Federal Reserve Rate Cut 2025 The Federal Reserve rate cut 2025 marks the first interest rate change of the year, and it carries important implications for Florida homeowners, buyers, and investors. On Wednesday, the Fed lowered the federal funds rate by 25 basis points to 4.25%. While mortgage rates don’t move in perfect…

When comparing Fannie Mae vs Freddie Mac guidelines, it’s clear that while both agencies serve the conventional mortgage market, they apply their rules differently. For homebuyers and refinancers in 2025, these distinctions can impact loan approval, terms, and eligibility. Let’s break down the most important differences every borrower and real estate professional should understand. Maximum…

The Florida Hometown Heroes Loan Program is designed to make homeownership more affordable for the people who serve our communities and country. This includes first-time homebuyers, veterans, military personnel, and frontline professionals. At North Star Mortgage Network, we proudly help eligible Floridians navigate this unique program, which now includes updated guidelines for 2025 under both…

If you’re planning to purchase or refinance a home and want to finance improvements at the same time, the CHOICERenovation loan 2025 may be your best option. Backed by Freddie Mac, this renovation loan combines rehab costs and mortgage financing into one streamlined solution. Here’s everything you need to know about the CHOICERenovation loan 2025,…