NMLS #139369
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Your Timeline
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Pre-Qualification Timeline
Track your progress toward mortgage qualification
Your Qualification Journey
Est. 25 months to qualification47% Complete
0 of 3 milestones completeTarget: Mar 2028
Credit Score
580
680
Down Payment Savings
$
$
$
Debt-to-Income Ratio
48%
43%
$
Your Milestones
Credit Score Goal
~10 monthsImprove from 580 to 680
Current: 580Target: 680
Down Payment Savings
~25 monthsSave $40,000 for down payment
Current: $15,000Target: $40,000
Debt-to-Income Ratio
~10 monthsReduce DTI from 48% to 43%
Current: 48%Target: 43%
How We Help You Get Mortgage-Ready
Our step-by-step approach guides you from wherever you are today to mortgage qualification.
1
Assess Your Situation
Use our tools to understand your current credit score, savings, and debt situation.
2
Get Your Roadmap
Receive personalized recommendations and a timeline to reach your goals.
3
Track Your Progress
Monitor your milestones and celebrate wins along the way.
Apply When Ready
When you hit your targets, we'll be here to help you get your mortgage.
Can't Wait? You Might Still Qualify Today!
NorthStar Funding specializes in NON-QM loans for borrowers who don't fit the traditional mold. We work with credit scores as low as 620, self-employed borrowers, real estate investors, and more. You might be closer to homeownership than you think.