Guiding You Home, Your Trusted Mortgage Advisors.

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Welcome to NorthStar Mortgage Advisors

At NorthStar, we understand that finding the perfect mortgage can be a daunting task, filled with complexities and uncertainties. That’s where we come in – to guide you through the entire process, step by step, ensuring that your journey towards homeownership is seamless and stress-free. With a team of seasoned experts and a commitment to delivering personalized solutions, we take the time to understand your unique financial goals and tailor mortgage options that suit your needs. Whether you’re a first-time buyer or an experienced homeowner looking to refinance, we’re here to empower you with the knowledge and resources necessary to make informed decisions. Let us be your trusted partner on this exciting path to owning your dream home. Welcome aboard!

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Calculator

Affordability Calculator

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Monthly Debts

Monthly Debt includes the payments you make each month on auto loans, and credit cards (minimum payment) and student loans. Exclude Rent and Utilities.

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Monthly Debts

Monthly Debt includes the payments you make each month on auto loans, and credit cards (minimum payment) and student loans. Exclude Rent and Utilities.

information
Monthly Debts

Monthly Debt includes the payments you make each month on auto loans, and credit cards (minimum payment) and student loans. Exclude Rent and Utilities.

information
Monthly Debts

Monthly Debt includes the payments you make each month on auto loans, and credit cards (minimum payment) and student loans. Exclude Rent and Utilities.

information
Monthly Debts

Monthly Debt includes the payments you make each month on auto loans, and credit cards (minimum payment) and student loans. Exclude Rent and Utilities.

What is most important to you?

Current Loan

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Mortgage Amount

Enter the amount of the actual mortgage after down payment.

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Interest Rate

Enter the interest rate of the original Mortgage.

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Loan Term

Enter the number of years of your original Mortgage.

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Mortgage Start Date

Choose the month and year your original mortgage started.

New Loan

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Mortgage Amount

Enter your current mortgage balance.

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Cash Out Amount

Enter the amount of Cash Out you are taking on your new mortgage.

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Refinancce Costs

Enter the amount of fixed refinance costs (Points/Fees).

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New Loan Amount

The new loan amount after cash out and refinance costs.

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Interest Rate

Enter the current Market Rate.

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Loan Term

Enter the number of years of the Mortgage.

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Mortgage Start Date

Choose the month and year the new mortgage will start.

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Include Refinance Costs

Will Refinance costs be included in the new loan?

informationMortgage Information

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Home Price

Enter the amount of the home's value.

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Down Payment

Enter the amount or percentage of the down payment.

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Mortgage Amount

Enter the amount of the actual mortgage after down payment.

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Interest Rate

Enter the current Market Rate.

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Loan Term

Choose the number of years of the Mortgage.

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Mortgage Start Date

Choose the month and year the mortgage will start.

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PMI Rate

Private Mortgage Insurance (PMI) protects the lender from losing money if you default on the loan. Most mortgages with a down payment of less than 20% require PMI. his is an estimate based on the details above. PMI can vary significantly based on several factors.

Optional Information

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Home Insurance

Enter the annual amount of insurance.

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Annual Tax Amount

Enter the annual tax amount.

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HOA Dues

Enter the annual HOA dues.

informationBuying Assumptions

informationRenting Assumptions