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Monday 9am - 8pm Tuesday 9am - 8pm Wednesday 9am - 8pm Thursday 9am - 8pm Friday 9am - 8pm Saturday 9am - 8pm Sunday 12pm - 5pm

Alli Downs, NMLS# 2092260, Northstar Mortgage

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United States
Dallas, TX
Alli Downs, NMLS# 2092260, Northstar Mortgage

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Northstar Mortgage Services

Alli Downs
NMLS #2092260
Mortgage Loan Originator

Equal Housing Opportunity Find your trusted local Fairway loan officer today.

Fairway Independent Mortgage Corporation is dedicated to providing simple, affordable mortgage solutions. We have over 670 branches across the country offering hometown service backed by national strength. Whether you’re buying your first home, a second home or refinancing your current mortgage, Fairway offers a wide variety of home financing options that are designed to fit your unique needs and goals. Our loan officers are ready to guide you every step of the way, from application to closing and beyond. Speaking of closing, we have a reputation for closing on time — sometimes in as little as 10 days!

10/31/2026

Happy Halloween! 🎃👻

Don't let your dream home ghost you — if a house has caught your eye this weekend, let's run the numbers together. No tricks, no scary surprises, just a clear plan.

Now the important question: are you team candy corn or team chocolate? 🍬🍫 Drop your vote below — and stay safe out there tonight!

Alli Downs | NMLS #2092260 | Northstar Mortgage | 📞 214.264.4022 | ✉️ [email protected]

10/30/2026

📲 Offers don't wait for business hours. Neither do I.

Evenings, weekends ... when your buyer needs a pre-approval, I'm reachable.

Who's your after-hours lender right now?

Save my number for the next Friday night. ☕

Alli Downs | NMLS #2092260 | Northstar Mortgage | 📞 214.264.4022 | ✉️ [email protected]

10/13/2026

🔮 If you could wave a magic wand and change one thing about working with lenders, what would it be?

🎩 Faster answers?

🐰 Fewer surprises?

♦️ A heads-up BEFORE the problem instead of after?

I'm building my business around your answers ... really. Tell me below, and I'll tell you honestly whether or not I can be that lender for you.

Comment PARTNER and let's talk about what you need.

Alli Downs | NMLS #2092260 | Northstar Mortgage | 📞 214.264.4022 | ✉️ [email protected]

10/11/2026

Did you know on every conventional loan, Fannie Mae and Freddie Mac add a risk-based fee (loan-level price adjustment or LLPA), priced off credit score and down payment? Each lender then adds or subtracts from Fannie Mae or Freddie Mac's minimum.

For example: two buyers, same $400k house, different credit scores:

💪 Strong credit + 20% down runs about $1,000 in fees.

🆘 Weaker credit + 5% down runs about $7,000 in fees.

➡ The cheapest rate isn't always the cheapest loan.

This is why I shop multiple wholesalers to get your client the best rate AND fees.

Alli Downs | NMLS #2092260 | Northstar Mortgage | 📞 214.264.4022 | ✉️ [email protected]

10/10/2026

Realtor.com's Senior Economist* puts the rate gap between lenders in any given week at close to ONE full percentage point. That's real money to your buyer.

‼ 30yr mortgage rates hit 7.4% (per Freddie Mac Friday October 9, 2026), seventh straight weekly rise.

💥 If you've already got a lender you love, keep them — I'm happy to be a second set of eyes to make sure your buyer isn't overpaying.

👍 I quote multiple wholesale lenders on every loan to get your client the best rate and fees.

Comment PARTNER and let's talk about what a second quote looks like on your next deal. ☕

Alli Downs | NMLS #2092260 | Northstar Mortgage | 📞 214.264.4022 | ✉️ [email protected]

*Realtor's Senior Economist Hannah Jones per Fox Business coverage week of October 1 2026.

10/08/2026

Brokers are built for speed.

Banks move slow — rigid systems, layers of approval, and pre-approval letters that take days you'll never get back.

Brokers work lean and flexible:

⚡ Same-day pre-approval process

📊 Pre-approvals built on real underwriting

🤝 Consistent communication

A strong offer isn't just price — it's certainty. And certainty closes.

Let's talk about what a broker can do for your next buyer.

Alli Downs | NMLS #2092260 | Northstar Mortgage | 📞 214.264.4022 | ✉️ [email protected]

10/07/2026

A bank can only offer you ITS loan programs. One menu. Take it or leave it.

As a broker, I shop multiple wholesale lenders on every file — rates, fees, and programs side by side.

What does this mean for your client?

💰 Real competition on rate and fees, not a single take-it-or-leave-it quote

💡 More options — including programs their bank never mentioned

What does this mean for you?

🤝 More approvals

👽 Less dead-end deals

If your client's only option is one bank, they might NOT be getting the best deal.

Comment PARTNER and I'll send you my one-page buyer consult sheet — free, no pitch. ☕

Alli Downs | NMLS #2092260 | Northstar Mortgage | 📞 214.264.4022 | ✉️ [email protected]

10/05/2026

Agent action item for October 👇

Use this line at your next showing: "Rates are high, but so is your leverage — sellers are cutting prices and offering concessions at the fastest pace in FOUR years."

Buyers who've been sitting out need to hear this. The rate isn't the whole story — their negotiating power is.

Comment PARTNER and I'll send you my buyer consult worksheet — the one-page sheet agents use with buyers to lock in goals, budget, and next steps.

Alli Downs | NMLS #2092260 | Northstar Mortgage | 📞 214.264.4022 | ✉️ [email protected]

10/04/2026

The #1 complaint agents have about loan officers? Not rates. Not fees. Poor communication.

👇 No updates during the loan. Surprises days before closing. Unreachable on weekends when offers get written. Weak pre-approvals that fall apart.

Your reputation rides on a loan you don't control — so here's my promise:

📲 Milestone texts and emails to the team at application, appraisal, conditional approval, and clear-to-close

⚡ Issues flagged the day I see them, NEVER days before closing

📞 Reachable nights and weekends, when your buyers actually need me

Comment PARTNER and I'll send you my buyer consult worksheet — the one-page sheet agents use with buyers to lock in goals, budget, and next steps.

Alli Downs | NMLS #2092260 | Northstar Mortgage | 📞 214.264.4022 | ✉️ [email protected]

10/03/2026

Rates move. Guidelines change. Programs appear and disappear overnight. 📉📈

When the market shifts:

🏦 Banks take months to adjust — new overlays, committee approvals, rigid systems

⚡ Brokers pivot in days — we move your buyer to the lender whose guidelines fit TODAY

🛡️ Your clients stay competitive no matter what the market does

Who is your strategic lending partner?

Comment PARTNER and I'll send you my one-page buyer consult sheet — free, no pitch. ☕

Alli Downs | NMLS #2092260 | Northstar Mortgage | 📞 214.264.4022 | ✉️ [email protected]

Address

8000 Avalon Boulevard Suite 100
Dallas, TX
30009

Opening Hours

Monday	9am - 8pm
Tuesday	9am - 8pm
Wednesday	9am - 8pm
Thursday	9am - 8pm
Friday	9am - 8pm
Saturday	9am - 8pm
Sunday	12pm - 5pm

Telephone

+12142644022

Website

http://www.northstarmortgageservices.com/

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