Mortgage Products
DSCR Loans for Los Angeles Rental Properties
DSCR Loans for Los Angeles Rental Properties DSCR mortgage options can be a fit for eligible borrowers financing a Los Angeles investment property when the property’s qualifying rent and housing expense are central to the underwriting review. The full file still matters: property type, appraisal or rent supp
Asset Utilization Mortgage Options for San Diego Borrowers
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Bank Statement Mortgage Options for Miami Self-Employed Borrowers
First, bank-statement mortgage options may help eligible self-employed borrowers finance Miami properties when tax-return income does not fully reflect documented business cash flow. These documentation-based loans require review of account history, eligible deposits, business profile, expense treatment, proper
HELOC Options for Austin Homeowners
A home equity line of credit (HELOC) may be worth exploring for eligible Austin homeowners who want to access equity while retaining an existing first mortgage. A HELOC is typically a separate, second-lien credit option. Lien position, combined loan-to-value, property value, existing liens, credit, income, and
FHA Mortgage Options for Houston Homebuyers
FHA mortgage options may help eligible Houston buyers and homeowners explore financing for an owner-occupied home. FHA-insured financing has current requirements for borrower eligibility, occupancy, property condition, appraisal, mortgage insurance, and underwriting. The full file—not one factor alone—deter
USDA Rural Development Home Loan Options
The USDA Single Family Housing Guaranteed Loan Program may help eligible borrowers purchase a primary residence in an eligible rural area. NorthStar Funding can help you understand the location, household-income, property, occupancy, credit, and documentation review required for your individual scenario.
VA Home Loan Options for Eligible Veterans and Service Members
VA-backed home loans may help eligible Veterans, service members, and qualifying surviving spouses buy, build, improve, or refinance a home. NorthStar Funding can review the loan purpose, Certificate of Eligibility, occupancy, credit, income, assets, and property requirements for your individual scenario.
One-Year Tax Return Mortgage Options for Self-Employed Borrowers
A one-year tax return mortgage review is for self-employed borrowers whose most recent federal return may better reflect their current business income than older returns. Depending on the lender and loan program, one year of returns may be considered alongside business-history, income-stability, ownership, credit
FHA and VA Mortgage Planning for Credit Challenges
FHA and VA mortgage planning for credit challenges begins with accurate records and a clear picture of your finances today. A score alone cannot determine a mortgage outcome. Before choosing a program, prepare the history behind your credit concerns, your current payment obligations, and the home-purchase or refi
Asset-Based Mortgage Planning
Asset-based mortgage planning considers whether eligible assets may be evaluated alongside or instead of traditional income documentation. The assets, property, loan purpose, and full borrower profile all require review.Understand the asset reviewA lender may evaluate account ownership, liquidity, documentation,
DSCR Loans for Rental Properties | NorthStar Funding
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Construction-to-Permanent Loan
A construction-to-permanent mortgage may combine the building phase and long-term mortgage planning in one overall transaction. The appropriate structure depends on the property, construction plan, lender requirements, and complete borrower file.Understand both stages of the transactionIt is useful to review how