We are Mortgage Bankers not Brokers. We fund our loans locally. Polaris does not charge lender fee's. We process our loans locally. Your loan will be approved in 48 hours. When others say no we say yes. Polaris Home Funding, a bright spot in mortgage lending. Apply today!. Mortgage Loans,Reverse Mortgages,FHA Loans,VA Loans,Rehab Loans,USDA,Manufactured Housing,Credit scores as low as 530.