The term golden handcuffs mortgage rates describes the lock-in effect where homeowners avoided moving because they didn’t want to give up ultra-low mortgage…

Manufactured Home Mortgage Guidelines 2025

2026 Update (September 2026) Fannie Mae removed its hard 620 minimum credit score for loans run through Desktop Underwriter on November 16, 2025.

The renting vs buying question in Florida is no longer a slogan. It is math. And in 2026, the math is close.

Temporary Agency Employment Mortgage Requirements

If you work through a staffing or temporary agency and are preparing to buy a home in Florida, understanding temporary agency employment mortgage requirements…

Mortgage benefits for persons with disabilities in Florida

At North Star Mortgage Network , we believe homeownership should be accessible to everyone. For more than 25 years, we’ve worked closely with Florida borrowers…

2026 Update (September 2026) Fannie Mae: lenders can use your documented income-driven payment, even $0.

2026 Update (September 2026) Credit scores: Fannie Mae removed its hard 620 minimum for loans run through Desktop Underwriter on November 16, 2025. Freddie Mac rules differ, so compare both. Student loans: Fannie Mae can use a documented $0 income-driven payment. Freddie Mac generally uses 0.5% of the balance when the payment is $0. Renting…

Short answer Commission income generally needs a documented history and gets averaged rather than taken at face value. A strong recent year does not fix a weak prior year — and unreimbursed business expenses can reduce what actually counts. Call or text 904-880-6741 Ask about your actual file — no SSN, no credit pull. By…

grossing up social security income for mortgage

Short answer Most lenders let you gross up non-taxable Social Security income by 15% or 25%, depending on the agency and the documentation in the file. Which one applies to you changes what you qualify for. Call or text 904-880-6741 Ask about your actual file — no SSN, no credit pull. By Nathan Young, founder…