Fannie Mae vs Freddie Mac Guidelines

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…

Read More
North Star Mortgage Network mortgage broker in Jacksonville, Florida

DSCR Loans for Real Estate Investors in 36 States and DC North Star Mortgage Network helps real estate investors buy and refinance rental property with DSCR loans that qualify on the property’s rent, not your tax returns. We arrange business-purpose DSCR loans in Florida and 35 other states, plus Washington, DC, whether you’re buying your…

Read More