Straight answers, sharp rates, and a loan officer who actually picks up the phone. We chart the course — you just move in.
Whether it's your first key or your fifth, there's a loan built for where you're headed. These are the four we get asked about most.
The workhorse. As little as 3% down with solid credit, and no upfront mortgage insurance premium.
Explore conventional ✦Flexible credit guidelines and 3.5% down make this the go-to for buyers still building their file.
Explore FHA ✦Zero down, no monthly mortgage insurance, and competitive rates for those who've served.
Explore VA ✦Lower your rate, drop PMI, or pull cash from your equity — we'll run the numbers both ways.
Explore refinancingMost lenders hand you a rate sheet and disappear until closing. We stay on the bridge with you — same loan officer from first call to final signature, weekly updates without you asking, and honest math even when it means telling you to wait.
No jargon maze, no mystery fees. Here's the whole voyage.
A 10-minute application and a soft credit check give you a real number to shop with — and a letter sellers take seriously.
Found the one? We lock your rate the same day, order the appraisal, and our in-house underwriters get to work immediately.
Clear-to-close in 15 days on average. We review every closing figure with you before signing day — zero surprises at the table.
Our first-time buyer track pairs you with an advisor who explains every line item in plain English — down payment assistance options, what your credit score actually needs to be, and how much house the math truly supports.
Start with the calculator, then apply when the numbers feel right. No pressure, no spam calls.
"We were pre-approved on a Tuesday and under contract that weekend. Marcus walked us through every document like we were his only clients."
"Refinanced from 7.1% to 5.9% and dropped PMI in the same move. The break-even math they showed me was honest to the dollar."
"As a veteran I'd been told 'no' twice elsewhere. NorthStar closed my VA loan in 17 days with zero down. Can't recommend them enough."
Sixty seconds with our calculator beats sixty minutes of guessing. Principal, interest, taxes, insurance — the whole picture.
Calculate my payment