Buy a home
Explore the purchase process, documentation, upfront costs, and a payment that works with your wider budget.
Explore purchase financing →Your home. Your plans. A clearer conversation.
Understand your mortgage options. Choose with confidence.
Start with an inquiry. Preapproval requires a lender's review of your information and is not guaranteed by submitting this form.
You deserve clear explanations—not pressure. Start with your goals, compare the tradeoffs, and learn which questions to ask before choosing a loan.
Or Call 800-917-1595
Exploring an option is not a commitment to borrow. Eligibility and terms depend on the program, lender, property, and your circumstances.
Who We Serve
Solutions for Borrowers Who Think Differently
A lower monthly payment, access to equity, or a different way to document income can have very different costs. Compare the whole picture.
Review your current mortgage
Compare refinancing costs and total interest—not just the new payment. Keeping your current loan may be the better choice.
Explore refinancing →Document self-employed income
Understand bank-statement loan considerations, lender review, and the questions to ask when traditional documentation does not reflect your situation.
Read the Bank Statement guide →Plan rental-property financing
Explore DSCR financing considerations. Compare the property's cash flow, expenses, reserves, and written lender requirements—not just a headline ratio.
Read the DSCR guide →Understand asset-based qualification
Learn what to ask about eligible assets, documentation, and lender calculations. Asset utilization and depletion rules vary by program.
Read the asset-depletion guide →Compare ways to access equity
Explore HELOC considerations, changing payments, borrowing costs, and the risks of securing additional debt with your home.
Read the HELOC guide →Priority education · Retirement and home equity
Could a reverse mortgage fit your plans?
A reverse mortgage is borrowing against your home—not free money. The potential benefit is access to equity; the tradeoffs include costs, a growing balance, and less equity for future needs.
Explore benefits, obligations, and alternatives →Start with these questions
How long do you expect to stay? Can you cover ongoing housing costs? Who may need the home later?
If you expect to move soon or cannot cover ongoing housing costs, another approach may be a better fit.
Keep the obligations in view
For a HECM, property taxes, insurance, maintenance, and residence requirements still matter. Private reverse mortgages have their own terms and are not FHA insured.
An informed decision, step by step
Good advice starts by understanding you.
Describe the goal
Start with your plans, timeline, and questions. A product name does not tell the whole story.
Compare the tradeoffs
Consider costs, obligations, total borrowing, and alternatives—including not taking a new loan.
Review the actual terms
Use written program information and disclosures. Ask what could change, what is uncertain, and what happens if your plans change.
Questions first
Clear answers before a big decision.
Does exploring a program mean I qualify?
No. A webpage explains an option; it is not an approval or loan commitment. Qualification depends on the applicable program rules and a review of your circumstances.
Is a lower payment always a better deal?
No. A lower payment can come with a longer repayment period or higher overall cost. Compare fees, total interest, and how long you expect to keep the loan.
What if I am dealing with financial pressure?
Start by reviewing the full budget and available alternatives. A new loan may help in some circumstances, but can add costs or put home equity at risk. Consider servicer hardship options and independent counseling as appropriate.
Can I ask questions before choosing a product?
Yes. Bring your goals and concerns to a planning conversation. Ask for explanations of both the benefits and the reasons a loan might not be a good fit.
Explore product categories
Highlights
Northstar Funding Product Highlights
Explore Highlights →Northstar Funding Specialty Products
Special products that benefit you and yours
Explore Northstar Funding Specialty Products →Regular Products
Common products that Northstar Funding makes uncommon
Explore Regular Products →What Our Customers Say
Anne Rich
I had been working with a Mortgage company to assume the mortgage that my son, my husband and I held with my son's ex-wife.Their contract stated in black and white that the mortgage was definitely assumable. I applied to Nationstar and they quite frankly jerked me around for 16 months, asking for the same paperwork over and over again.…
Carle X.
I stumbled upon NorthStar Funding as I was preparing to close on my new home and boy was that a stroke of luck. Even the name of this company says it all, NorthStar. Professional, Dynamic, Caring....these are just a few words that I use to describe this team. From Mike G to Joe P...they are a good group that truly cares about the con…
Arnaldo M.
I have gone through a dozen personal mortgages processes in my life,but none had been so smooth ,easy and quick,less than a month to conclude the process ,associates very professional and helpful ;honestly and sincere would recommend it to anyone.
Anthony Racioppi
The Northstar Funding team made the impossible possible. I was having trouble securing a loan through a larger bank, and they were able to secure me a loan with a great interest rate as well as close within 30 days in the middle of the June closing madness. Through the entire process the team answered each and every question I had and m…
Amgad
Thank you so much for making this deal happen !! You guys worked tire-sly to get it done !! Thank you
Dr. Fuad Zeidan
We closed yesterday, thank you very much. I noticed you locked-in lower rate, I really appreciate that. Again… thanks a million.
Eric H.
It was a pleasure to work with Northstar funding. The owner was a true professional. The ower, JoePisa, and his staff are motivated and dedicated not only to their work but to their CUSTOMERS as well! Thank you to Joe and his team! ERIC H.
Erika S.
Extremely helpful and efficient. Joe and his team went above and beyond in making sure that every detail was taken care of efficiently and expeditiously.
Enrico Giangeruso
The team at Northstar are top notch!! They made a daunting task easy with a great system to include a loan portal and continual feedback. Got a great interest rate for my condo in NYC. Rhodora Zapanta gave me continual feedback by text, email and phone calls. My loan closed within a week of when they said it would with no issues. Great…
You do not need to have every answer yet.
Start with a question. We can help you understand what to compare and what to ask next.