30+ Years Helping Borrowers Banks Overlook
For over three decades, NorthStar Funding has helped 5,000+ borrowers secure $2.5 billion in mortgage financing—including thousands who were turned away by traditional banks.
NorthStar Funding, our NON-QM division, specializes exclusively in the loan programs banks won't touch: bank statement loans, DSCR investor financing, and solutions for self-employed professionals, foreign nationals, and borrowers rebuilding credit.
Why Borrowers Trust Us
Three decades of results speak louder than promises.
The Track Record
30+ Years | $2.5B Funded | 5,000+ Clients
We've seen every scenario—business owners with complex tax returns, investors with 20+ properties, foreign nationals with no U.S. credit history. Our depth of experience means we know which lenders approve which scenarios, and we don't waste your time on dead ends.
How We're Different
NON-QM Only | In-House Underwriting | 21-Day Closings
Unlike banks that treat NON-QM as an afterthought, it's all we do. Our underwriters specialize in bank statement analysis and DSCR calculations. We don't send your file to a generalist—our team lives and breathes these programs daily.
What You Get
Personalized Solutions | Transparent Pricing | Dedicated Support
Every borrower gets a dedicated loan officer who understands your specific situation—not a call center. We present multiple program options with clear rate and fee comparisons. No bait-and-switch, no hidden fees, no surprises.
How We Work
From first call to funded loan—here's what to expect.
Quick Assessment
5 Minutes
Share your basic scenario—income type, credit range, property details. We'll tell you immediately if we can help and which programs fit.
Document Review
24-48 Hours
Upload documents through our secure portal. Our team analyzes your file and provides a preliminary approval with rate options.
Lender Matching
Same Day
We match your profile to the best lender for your scenario. Different lenders excel at different niches—we know who approves what.
Close & Fund
As Fast as 21 Days
Once you choose your program, we handle everything—appraisal, title, underwriting, closing. You get updates at every step.
Who We Help
We've built our entire business around borrowers that traditional banks overlook. If you've been told "no" because your income doesn't fit a W-2 box, we likely have a solution.
Our Commitment to You
We believe every borrower deserves honest guidance—even if that means telling you we're not the right fit. If your scenario doesn't work with our programs, we'll explain why and suggest alternatives.
Our reputation is built on trust, not transactions.
Our Values
What sets us apart from other lenders.
Client-First Approach
Every borrower deserves a fair shot at homeownership. We find solutions when others see obstacles.
Transparency
No hidden fees, no surprises. We explain every option clearly so you can make informed decisions.
Expertise
Our team specializes exclusively in NON-QM lending. We know these programs inside and out.
Personalized Service
You're not a number. Every client gets a dedicated loan officer who understands their unique situation.
Why Choose NorthStar Funding?
NorthStar Funding is a DBA of NorthStar Funding Inc. | NMLS #139369 | Licensed in 19 states | Equal Housing Opportunity
All loan approvals are subject to underwriting review and property appraisal. Pre-qualification is not a commitment to lend. Rates, terms, and program availability vary based on credit profile, property type, loan amount, and market conditions. Past performance and client outcomes do not guarantee future results. Each borrower's situation is unique. This is not a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice.
Our Approach to AI-Assisted Lending
We believe in transparent disclosure about how technology enhances our service while keeping licensed professionals in control.
AI as Assistant
Technology analyzes data and recommends paths—never makes final decisions
Human Authority
Every loan decision is reviewed and approved by licensed mortgage professionals
Clear Accountability
Licensed MLOs maintain full legal and ethical responsibility for all decisions
How It Works: The Technical Reality
Pattern Recognition, Not Magic
Mortgage origination is fundamentally pattern recognition, rules engines, and controlled judgment. Modern AI excels at these tasks when properly constrained. Our systems analyze borrower behavior, document consistency, and guideline compliance—but they recommend, never decide.
Qualification Is Rules, Not Mysticism
Every agency and bank guideline reduces to if/then logic, thresholds, and exceptions with compensating factors. AI maps borrower attributes to decision graphs (income type → calculation method, credit event → waiting period, property type → eligibility). This isn't judgment—it's deterministic logic with edge-case handling.
Document Intelligence
Modern AI doesn't just read documents—it understands structure and intent. When borrowers upload paystubs, bank statements, or tax returns, the system extracts fields, checks internal consistency, cross-references dates and totals, and flags anomalies humans often miss. Fraud detection isn't intuition; it's statistical deviation analysis.
Hard Escalation Gates
We hard-code escalation triggers with no overrides. Any income that isn't straight W-2, any credit event inside a lookback window, any guideline conflict, or any exception automatically routes to a licensed MLO. The system locks the file and displays: "Decision authority required." This protects both legally and ethically.
The MLO's Elevated Role
This setup doesn't reduce the importance of the mortgage loan officer—it raises it. We remove noise, grunt work, cognitive overload, and fake urgency. What remains is what licensed professionals are actually paid for: judgment, ethics, borrower advocacy, risk awareness, and accountability. The future MLO is less "rate quote machine" and more air traffic controller.
Complete Audit Trail
Every decision point is logged with timestamps and license numbers. If regulators ever ask "who decided this?" there's one name, one license, one clear answer. The MLO explicitly selects the program path, accepts or overrides AI recommendations, documents reasoning, approves conditions strategy, and authorizes all disclosures and submissions.
The Quiet Truth: Mortgage origination has been pretending to be an art form while secretly being an industrial process. AI didn't kill the loan officer—it exposed which parts were never human to begin with. What survives is judgment, trust, and advocacy—things that still matter deeply, but only after the machine clears the noise.
Questions about our AI-assisted process? Contact us for a detailed explanation.
From "I Got a Guy"
To "How Can AI Do That?"
It's time to challenge the old gatekeeping model of lending and embrace a future where technology democratizes access—while licensed professionals maintain authority, privacy, and accountability.
The Old Way: Relationships as Gatekeepers
For decades, access to mortgage lending has been controlled by the phrase "I got a guy." Success depended on who you knew, which broker would return your call, or whether you fit neatly into a conventional box. If you were self-employed, had recent credit challenges, or needed a creative solution, you were at the mercy of finding someone willing to dig through guidelines for you.
That model created friction, inefficiency, and inequality. It rewarded connections over qualifications and left countless qualified borrowers without access to capital.
The New Way: Technology as Democratizer
We advocate for a different question: "How can AI do that?"
This isn't about replacing humans—it's about removing the barriers that prevent qualified borrowers from accessing the right loan programs. AI can analyze guidelines faster, identify viable paths instantly, and surface solutions that would take humans hours to find. It doesn't get tired, doesn't play favorites, and doesn't need you to "know a guy."
But here's the critical distinction: AI is a tool that empowers licensed professionals, not a replacement for them.
The Balance: Innovation with Accountability
Our Philosophy in Practice:
- AI removes friction by instantly analyzing borrower profiles against thousands of guideline combinations
- Licensed MLOs maintain authority by reviewing every recommendation and approving every decision
- Privacy is protected through encrypted systems and strict data handling protocols
- Laws are followed with hard-coded escalation gates that require human approval for exceptions
- Accountability remains clear with audit trails showing exactly who approved what and when
The Result: Access Without Compromise
When you work with NorthStar Funding, you get the speed and efficiency of AI-powered analysis combined with the judgment, ethics, and advocacy of licensed mortgage professionals. You don't need to "know a guy"—you just need to qualify.
That's the future of lending: democratized access, human oversight, and solutions over connections.
"Technology should remove barriers, not replace the professionals who ensure fairness, compliance, and borrower protection."
About NorthStar Funding
NorthStar Funding is a licensed mortgage broker. NMLS #139369. Equal Housing Lender. All loans subject to credit approval. Rates and terms subject to change without notice.