Search results for: refinance
VA Manual Underwriting Guidelines (2026): DTI and Residual Income
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…
Read MoreMortgage Recast: How to Lower Your Payment Without Refinancing
By Nathan Young , founder and president of North Star Mortgage Network, Inc. , an independent mortgage brokerage in Jacksonville, Florida.
Read MoreNon-Warrantable Condo Loan Jacksonville: When the Building Is the Problem
Non-warrantable condo loan Jacksonville options when the building fails agency standards.
Read MoreMid-Year Financial Checklist: Smart Money Moves to Stay on Track
It’s July—which means now is the perfect time to revisit your budget and reset your goals. This mid-year financial checklist will help you assess your progress…
Read MoreUSDA Home Loan Guidelines in Florida (2026 Update)
2026 Update (September 2026) USDA charges a 1% upfront guarantee fee (it can be financed) and a 0.35% annual fee on the average unpaid balance, paid monthly.
Read MoreFamily Opportunity Mortgage Florida: Buying a Home for a Parent or Adult Child
Family Opportunity Mortgage Florida rules let you buy a home for a parent or adult child at primary-residence terms.
Read MoreShould I Buy a Home in 2025?
If you’re asking yourself, “Should I buy a home in 2025?” —you’re not alone. Many potential buyers are watching the market closely, wondering if now is the…
Read MoreAfter You’ve Shopped Around, Compare Todays Rates with Us
If you’ve been shopping around for a mortgage, you already know that todays rates vary wildly from one lender to another.
Read MoreFannie Mae Forecasts Lower Mortgage Rates by End of 2025
At North Star Mortgage Network, we understand the importance of staying informed about interest rate trends.
Read MoreMortgage Calculators: Estimate Your Monthly Payment with Confidence
Looking to understand your future mortgage payment? At North Star Mortgage Network , we make it simple to get a clear picture of your monthly housing cost with…
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