We Ask "How Can I?"
Not "I Can't"
In an industry built on saying no, we've built our reputation on finding a way to say yes.
The Words That Kill Dreams
In my 30+ years in the mortgage industry, I've heard two phrases that kill more dreams than any credit score or debt ratio ever could:
"I can't."
The default response when a borrower doesn't fit the conventional box.
"That's our policy."
The excuse used to avoid doing the hard work of finding a solution.
These phrases aren't just disappointing—they're lazy. They represent a refusal to think creatively, to dig deeper, to ask the question that changes everything:
"How can I make this work?"
This is the question that defines NorthStar Funding.
The Difference in Action
Here's how our mindset transforms real conversations with borrowers
Traditional Lender:
Your credit score is too low.
NorthStar Funding:
Let's find a program that works with your score.
Traditional Lender:
You're self-employed, we can't verify income.
NorthStar Funding:
We have 12-month bank statement programs designed for you.
Traditional Lender:
You had a foreclosure, come back in 7 years.
NorthStar Funding:
Let's see if you qualify now with a non-QM program.
Traditional Lender:
Your DTI is too high, we can't help.
NorthStar Funding:
Have you considered a DSCR loan based on property cash flow?
Traditional Lender:
You need 20% down, that's our policy.
NorthStar Funding:
We have programs starting at 10% down for your situation.
What Drives Us
These aren't just values on a wall—they're the principles that guide every decision we make
Creative Problem Solving
Every file is a puzzle to solve, not a box to check. We dig through guidelines, combine programs, and find paths others miss.
Genuine Care
Behind every application is a family's dream. We treat your goals with the same urgency and care we'd want for our own families.
Relentless Pursuit
We don't give up when the first option doesn't work. We explore every angle, every lender, every program until we find a way.
Partnership, Not Transaction
You're not a loan number. You're a partner in this journey. We educate, guide, and advocate for you every step of the way.
The Result? Dreams Realized.
We've helped thousands of families achieve homeownership when everyone else told them no. Self-employed entrepreneurs. Borrowers rebuilding after financial setbacks. Foreign nationals investing in US real estate. Real estate investors scaling their portfolios.
Each one was told "I can't" by someone else. Each one heard "How can I?" from us.
"Your situation isn't a problem to avoid—it's a puzzle to solve. And we love solving puzzles."
— Joseph Pisa, CEO | NorthStar Funding
Experience the NorthStar Funding Difference
Let us show you what borrower-first lending really means.
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.