Short answer First-time buyers in Jacksonville have more options than most people realise — FHA at 3.5% down, VA with nothing down for those who qualify, conventional at 3%, plus Florida and City of Jacksonville down payment assistance. The right one depends on your credit, your income and the county you buy in. Call or…

Renovation Loans Florida – Simplify Your Home Improvement Financing At North Star Mortgage Network, we help Florida homeowners achieve their dreams with renovation loans Florida buyers can trust. These loans let you finance both your home purchase and repair costs in one easy loan. Whether you’re fixing a roof, updating a kitchen, or turning a…

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.

Homebuyers and homeowners in Florida now have new opportunities. The 2026 conforming loan limits have increased, and this change means more buying power for…

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…

2026 Update (September 2026) VA sets no minimum credit score. Many lenders set their own. 41% debt-to-income is a guide, not a hard cap. Above 41%, residual income at least 20% over VA’s regional guideline can support approval. On manually underwritten (Refer) files, lenders look closely at your housing payment history, often up to 24…