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

  • Absolutely amazing experience using our VA loan. Our lender was knowledgeable, responsive, and made the entire process smooth from start to finish. They explained everything clearly, fought for the best... read more

    Linnea Privette Avatar Linnea Privette
    January 24, 2026

    Outstanding communication from North Star Mortgage. Nathan was fantastic to work with though the whole process. I would highly recommend

    rob kap Avatar rob kap
    January 17, 2026

    Nathan and North Star Mortgage Network is the best mortgage broker to work with. He is a great communicator and streamlines processes to close loans efficiently. Love... read more

    Rita Kikoen Avatar Rita Kikoen
    January 16, 2026
  • Nathan amd Karla are one of the best in he industry! We love working with them!

    Laura Enmon Avatar Laura Enmon
    December 17, 2025

    Thank you to Christy Nathan and karla you guys were awesome because of y’all we have a house thank you so much for everything

    Stephanie Royal Avatar Stephanie Royal
    December 11, 2025

    I would highly recommend North Star for anyone looking to purchase a home! Nathan made the process smooth and easy. I am a first time home buyer and thanks to... read more

    Kacey Claire Avatar Kacey Claire
    November 14, 2025
  • Mr. Nathan and his team are exceptional! The very best! They walked me through step by step in a new process for me with so much patience and genuine care.... read more

    Josie F Avatar Josie F
    October 23, 2025

    I can't say enough great things about Nathan and his team. He made a stressful move a breeze! Nathan is the perfect combination of caring, efficient, and proactive. If I... read more

    Dawn Behrend Avatar Dawn Behrend
    October 22, 2025

    Nathan & Karla were incredible! Very communicative, professional and helpful throughout the entire process! Being a transaction coordinator on the listing side they made the entire process... read more

    Travis Moore Avatar Travis Moore
    October 17, 2025
  • Nathan Young with NSMN is your go to Mortgage Loan Officer in Florida. Working with him and the team at NSMN is always an absolute pleasure. His comprehensive knowledge of... read more

    Heather Samson Avatar Heather Samson
    October 16, 2025

    Nathan and his team got the job done!

    Christina Kelcourse Avatar Christina Kelcourse
    October 13, 2025

    Nathan with North Star Mortgage Network is a legend! Personal, professional, and great at what does. Made the process easy! Quick to respond, and was always there if I needed... read more

    Wade Hosseini Avatar Wade Hosseini
    October 7, 2025
  • Each time I've worked with Nathan has been nothing short of an excellent experience. He's always been very responsive and proactive each step of the way - making sure myself... read more

    David Rosenblum Avatar David Rosenblum
    September 26, 2025

    Nathan was phenomenal! He was great at communicating and he worked diligently to get us to become home owners! The entire experience was great. He explained what everything was and... read more

    Ashley Simpson Avatar Ashley Simpson
    September 25, 2025

    1st transaction with North Star Mortgage, as a closing agent we were very pleased at how easy it was to work with Nathan. He provided excellent, professional, and prompt service.... read more

    Lissette Aguilar Avatar Lissette Aguilar
    September 22, 2025
  • I had a wonderful experience working with Nathan and Karla. From start to finish, the process was smooth and stress-free. They were always quick to respond and very knowledgeable about... read more

    Bita Shahgaldi Avatar Bita Shahgaldi
    August 29, 2025

    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
    August 21, 2025

    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
    August 14, 2025
  • 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
    July 28, 2025

    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
    July 28, 2025

    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
    July 26, 2025
  • 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
    July 3, 2025

    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
    May 28, 2025

    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
    May 28, 2025
  • 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
    May 28, 2025

    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
    April 28, 2025

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

    Hailey Robinson Avatar Hailey Robinson
    March 28, 2025
  • 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
    March 28, 2025

    Nathan and Karla are great to work with.

    Lisa Gell Avatar Lisa Gell
    March 28, 2025

    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
    March 28, 2025

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Getting started is easy. We offer very competitive rates, have great service, and always close on time.