Welcome to
The No-Judgment Zone

A soft pull (also called a soft inquiry) is a credit check that does not impact your credit score. Unlike a hard pull used by most lenders, our soft pull pre-qualification lets you see your mortgage options without any risk to your credit rating. Only when you decide to move forward with a formal application would a hard pull occur.

We welcome borrowers with credit scores as low as 500. Through FHA manual underwriting, we can work with scores that other lenders reject. Your credit score is a starting point, not a judgment — we look at your full financial picture including income stability, savings, and payment history.

Manual underwriting means a real human reviews your loan application instead of relying solely on automated systems. This is especially beneficial for borrowers with lower credit scores, limited credit history, or non-traditional income sources. Our underwriters consider compensating factors like consistent rent payments, job stability, and cash reserves that automated systems often miss.

We offer a comprehensive range of mortgage programs including FHA loans (with manual underwriting for scores 500+), VA loans for veterans (zero down payment), USDA rural home loans (zero down), conventional loans, bank statement loans for self-employed borrowers, jumbo and NON-QM loans, DSCR investment property loans, and fix-and-flip financing.

Down payment requirements vary by loan program. FHA loans require as little as 3.5% down (10% for scores below 580). VA and USDA loans offer zero down payment options. Conventional loans start at 3% down for first-time buyers. We also help connect you with state-specific down payment assistance programs that can further reduce your out-of-pocket costs.

Our online pre-qualification takes approximately 2 minutes to complete. You'll receive your personalized rate quote and loan options immediately. The soft pull happens instantly, so there's no waiting period. If you decide to move forward, the full application and approval process typically takes 30-45 days.

NorthStar Funding is licensed in 19 states plus Washington D.C.: Arizona, California, Colorado, Connecticut, Florida, Georgia, Illinois, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Texas, and Virginia.

Yes. We offer bank statement loan programs specifically designed for self-employed borrowers. Instead of traditional tax returns, we use 12-24 months of personal or business bank statements to verify income. This is ideal for business owners, freelancers, and independent contractors whose tax returns may not reflect their true earning capacity.

With 30+ years of mortgage experience, we specialize in helping borrowers that other lenders turn away. Our No-Judgment Zone philosophy means we evaluate every application with compassion and expertise. We use manual underwriting, offer NON-QM solutions, and provide personalized guidance throughout the entire process. We believe everyone deserves a fair chance at homeownership.

Absolutely. We use 256-bit SSL encryption — the same security standard used by major banks — to protect all data transmitted through our website. Your personal and financial information is never shared with third parties without your explicit consent. We comply with all federal and state privacy regulations.