Specializing in personalized mortgage solutions, fast customized quotes, great rates, & service with integrity

Award-Winning Florida Mortgage Broker | Locally Owned in Jacksonville, FL

Looking for a locally owned and operated Florida mortgage broker who puts your goals first?
At North Star Mortgage Network, we’re proud to be based in Jacksonville, FL, serving homebuyers and homeowners across the Sunshine State.

As an award-winning Florida mortgage broker, we specialize in personalized home loan solutions, fast approvals, and transparent service built on integrity. Since 2000, our mission has been clear — deliver the lowest possible rates, honest guidance, and unmatched service to every borrower we help.

Whether you’re buying your first home, refinancing, or investing in real estate, our team ensures a smooth, stress-free experience from start to finish.

Today's Rates

Locally Owned. Nationally Recognized. Always Trusted.

North Star Mortgage Network isn’t a call-center lender or out-of-state corporation.
We’re locally owned and operated in Jacksonville, Florida, and proud to serve families throughout Duval, St. Johns, Clay, Nassau, and across the state.

Our commitment to integrity, personal service, and results has earned us multiple industry honors, including:

  • 2024 & 2025 Five Star Mortgage Professional Award

  • Three Best Rated – Best Mortgage Services in Jacksonville

  • Kev’s Best – Best Mortgage Companies in Florida

These awards reflect what our clients already know — North Star Mortgage Network delivers exceptional service, clear communication, and competitive rates that consistently beat the big banks.


Comprehensive Loan Programs for Every Borrower

As a full-service Florida mortgage broker, we offer a complete range of programs designed to fit your needs and goals:

  • Conventional Loans: Great rates for credit-qualified buyers.

  • FHA Loans: Low down payment and flexible credit options.

  • VA Loans: 100% financing for eligible veterans and active-duty military.

  • USDA Loans: No down payment for eligible rural and suburban buyers.

  • Jumbo Loans: Financing for high-value and luxury homes.

  • Non-QM & Investor Loans: Perfect for self-employed buyers and real estate investors.

  • Refinance & Cash-Out Loans: Lower your rate or access your home’s equity.

  • Down Payment Assistance: Helping first-time buyers achieve homeownership.

Every client receives a detailed rate comparison and personalized advice — because the right loan starts with the right lender.


Why Homebuyers Choose North Star Mortgage Network

Award-Winning Service

Recognized throughout Florida for integrity and performance, our award-winning team is known for fast responses, clear answers, and smooth closings.

Locally Owned and Operated

We live, work, and raise our families right here in Jacksonville, FL. Our local insight gives you an edge when navigating Florida’s unique housing market, property taxes, and insurance challenges.

Transparency and Trust

You’ll never face hidden fees, surprises, or confusing terms — just straightforward guidance from seasoned professionals who put your best interest first.

Fast, Reliable Approvals

We use advanced technology with hands-on communication, so your loan closes quickly without losing that personal touch.

Long-Term Relationships

Most of our clients return to refinance or buy again — not because they have to, but because they want to. That loyalty speaks volumes.


Proudly Serving Florida – Coast to Coast

From Jacksonville and St. Augustine to Tampa, Orlando, and South Florida, our team helps homebuyers across the state find the right mortgage — at the right rate.

Because we’re Floridians too, we understand what matters most: dependable service, clear communication, and financing built around your future.

Attention Homebuyers:

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Check Out Our Google Reviews

  • We just did a closing on our investment property Nathan make the process very smooth and quick We recommend him to all our friend and customers Thank you Nathan

    Alketi Cela Avatar Alketi Cela

    This is our second time working with Nathan, and once again he exceeded our expectations. He made the mortgage process for our investment property smooth, stress-free, and efficient. Nathan is... read more

    james hooper Avatar james hooper

    I just closed on my house yesterday and while there were obstacles in the home buying process, I appreciated Nathan and Karla’s insight and assistance. We had several people in... read more

    Jennifer McMann Avatar Jennifer McMann
  • I highly recommend Nathan and North Star Mortgage if you are looking for a mortgage loan in the Jacksonville, Florida area! He was clear, honest and straight forward throughout the... read more

    Lesa Kerley Avatar Lesa Kerley

    Exceptional Experience with Nathan and Michelle! I can’t express enough how grateful I am for Nathan and his team. After feeling discouraged by previous lenders and realtors who only saw me... read more

    Jonathan Barnhisel Avatar Jonathan Barnhisel

    Always professional, quick to help you with anything got me into my home very quickly I truly appreciate North Star Mortgage

    Knight Gamer Avatar Knight Gamer
  • It was a pleasure working with Nathan and his staff. He was able to get us a good interest rate and was quick to respond text, emails, and phone... read more

    R Larry Avatar R Larry

    Nathan and Karla are great to work with.

    Lisa Gell Avatar Lisa Gell

    I highly recommend North Star Mortgage Network. Nathan was able to secure us an interest rate below the rates that we received from Vystar and others. His team made our... read more

    Drew Johnstone Avatar Drew Johnstone
  • Amazing quick responces, easy to do business with and great at telling you what is needed or not!

    Hailey Robinson Avatar Hailey Robinson

    From the initial quote to the ALTA statement through closing…Nate and team were great to work with! Upfront, honest, and very responsive. I highly recommend NSMN.

    Aaron P Avatar Aaron P

    Nathan was wonderful to work with. He really went the extra mile to make sure we were taken care during the home buying process. We searched and talked a few... read more

    John Dockendorff Avatar John Dockendorff
  • Nathan and karla where both awesome, they went above and beyond and got us over the mutiple humps we encountered buying a home, they made everything seem so simple, thanks... read more

    Joey Myers Avatar Joey Myers

    "Working with Nathan Young was an absolute pleasure! As a REALTOR, it's vital to have a lender who communicates seamlessly with both clients and agents—and Nathan did just that. He... read more

    Tom Yates Avatar Tom Yates

    Nate was amazing to work with, the whole process was smooth and successful!!

    Jamie Masters Avatar Jamie Masters
  • what a great company to work with! thank you nathan for all of your hard work! Nathan turned a difficult situation into a breeze!

    Mike Doyle Avatar Mike Doyle

    Nathan and his team worked diligently to get this loan processed. When we phoned or sent a text, Nathan responded in a timely manner. He remained positive, even with the... read more

    shirley moore Avatar shirley moore

    Nathan and Karla are amazing - the mortgage process for self employed is tough, they made it a breeze and a suprisingly hands off process for me - 100% would... read more

    Margaret Pattillo Avatar Margaret Pattillo
  • Can save a loan quickly and stands behind his word!

    Scarlett Mullens Avatar Scarlett Mullens

    Nathan, Michelle and Karla were able to help me buy my first home from that first phone call I made to them, in less than 3 months. I moved from... read more

    Miya Avatar Miya

    Great Customer Service!

    Zack Sanchez Avatar Zack Sanchez
  • Nathan and North Star were fantastic to deal with. Very straightforward and upfront during all of our interactions. I would absolutely recommend them to anyone.

    Clint Brown Avatar Clint Brown

    Working with Nathan and his team was great, super responsive and a smooth closing!

    Corey Miller Avatar Corey Miller

    Nathan and Karla were wonderful to work with! From the beginning, Nathan was available any time we had questions or wanted to map out different scenarios for our purchase options.... read more

    Kristy O'Brien Avatar Kristy O'Brien
  • Both Nathan and Karla made this home buying process a breeze for my customers! And, they received an incredibly low rate for this market, as well as, a flat-fee... read more

    Dawn deAbreu Avatar Dawn deAbreu

    Nathan young had made this process so incredibly easy and comfortable for me that I almost want to buy my next house with him already. I cannot recommend Northstar Mortgage... read more

    Gene Legacy Avatar Gene Legacy

    Nathan at NSMN truly stands out as a mortgage industry expert. His extensive knowledge and experience are evident in every interaction, making him a trusted resource for all your mortgage... read more

    Heather Hundley (Heath) Avatar Heather Hundley (Heath)
  • Nathan and his team were amazing and friendly! They were very knowledgeable and quick to respond. They made the process very easy for us.

    Tyler Cornell Avatar Tyler Cornell

    Nathan Young was incredible to work with. He always responded quickly and accurately, is very knowledgable and clear and was able to secure an incredible deal on our first home.... read more

    Matt Hoffner Avatar Matt Hoffner

    Nathan and his colleagues did a great job for me. My income comes from multiple sources and I am retirement age, so perhaps not as easy to qualify as someone... read more

    William Mecke Avatar William Mecke

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