Mortgage Loan Programs
Browse mortgage loan programs by purpose, then review the details that may help you prepare for a conversation with a licensed mortgage professional.
Co-Op Mortgage Loan Guidance
Co-Op Mortgage Loan GuidanceBuying a co-op is different from buying a condominium or single-family home. Instead of purchasing real property outright, a buyer commonly purchases shares in a cooperative corporation and receives the right to occupy a particular unit.Review the building and the buyer fileA lender ma
FHA Mortgage Loan Options and Underwriting Review
FHA Mortgage Loan Options and Underwriting Review FHA-insured mortgage financing may help eligible borrowers purchase or refinance a primary residence. NorthStar Funding reviews the borrower’s credit, income, assets, property, and loan purpose under current FHA requirements and applicable lender and in
Commercial Mortgage
Commercial mortgage planning begins with the property, the proposed use, available documentation, and the structure of the transaction. Commercial real estate financing can involve different underwriting questions from a residential mortgage, so a complete review matters before decisions are made. Start with the
Refinancing
Refinance Home Loan in Hoboken, NJ – Serving New York – Manhattan, New Jersey, California, Connecticut & Florida Struggling with your bills in Hoboken, NJ? Refinance home loan options may be able to help you get yourself on track to a brighter and more stable future. Here at Northstar Funding, we have mor
Residential Mortgage Loans
Home Mortgage Loan in Hoboken, New Jersey – Serving New York – Manhattan, New Jersey, California, Connecticut, & Florida For many, owning a home is a lifelong dream. Whether you're a first-time buyer or are looking to upgrade to a larger space in Hoboken, NJ, let NorthStar Funding turn your vision of
Conventional 97% Financing
Conventional 97% financing is a product label that should be reviewed in the context of current program requirements, the property, available funds, occupancy, documentation, and the complete borrower profile. A percentage label alone cannot determine eligibility or approval.Review the full mortgage structureBefo
FHA Streamlines
FHA Streamline is the simplest and easiest way to refinance an FHA loan. Unlike a traditional refinance an FHA Streamline Refinance allows a borrower to refinance without having to verify their income and assets. An appraisal might not be required either depending on how much you have paid on your original loan b
FHA 203k Loans for Construction Loans
Commercial Construction Loans FHA 203k This program is designed to provide a business loan to a Builder constructing a commercial property (Office Buildings, Retail Stores, Shopping Centers, Warehouse/Flex Space, 5+ Multi-Family units and most other income generating properties). Fast pre-qualification,
Affordable Alternatives to FHA Loans
FHA financing can be one path to homeownership, but it is not the only path. Depending on your property, financial profile, available documentation, and goals, other mortgage options may be worth reviewing alongside FHA financing. Compare the structure, not just one feature A useful comparison considers the f
Adjustable Rate Mortgage (ARM)
An adjustable-rate mortgage, often called an ARM, has an interest rate that may change after an initial period. It can be useful to understand how the introductory period, adjustment schedule, index, margin, and payment changes may affect a mortgage plan over time. Consider the full payment timeline Rather th
1031 Exchange
A 1031 exchange is a tax-deferred exchange strategy that may be used when eligible investment real estate is sold and replacement property is acquired. Financing can be one part of the overall plan, but tax treatment, exchange timing, and eligibility require guidance from qualified tax and legal professionals. H
First-Time Home Buyer Mortgage Guidance
First-Time Home Buyer Mortgage GuidanceBuying a first home can feel complicated. A productive first step is to understand your purchase timeline, budget, cash to close, documentation, and the questions a lender may need to review.Start with the complete pictureYour income, assets, credit profile, property, occupa