Mortgage Broker Amelia Island FL | North Star Mortgage Network

If you are buying or refinancing a home on Amelia Island, Florida, North Star Mortgage Network is your local independent mortgage broker. Founded by Nathan Young in 2000, we have helped Nassau County homebuyers and investors achieve their real estate goals for over 25 years with competitive rates, personalized service, and fast closings.

Amelia Island is one of Florida’s premier coastal destinations — offering stunning beaches, luxurious properties, a vibrant historic district, and a strong vacation rental market. Whether you are purchasing a primary residence, vacation home, or investment property, we have the loan programs and wholesale lender access to make it happen.

Why Amelia Island Buyers Choose North Star Mortgage Network

  • No SSN required for your initial consultation
  • Same-day pre-approval in most cases
  • Direct access to Nathan Young from day one
  • 331+ Google Reviews — 5.0 Stars
  • 2025 NAMB Broker of the Year

Loan Programs Available in Amelia Island

Conventional Loans — Competitive rates for qualified Amelia Island buyers.

Jumbo Loans — Amelia Island is a luxury market. We offer competitive jumbo programs for higher-priced properties with flexible qualifying guidelines.

FHA Loans — As little as 3.5% down for qualified buyers.

VA Loans — 100% financing for veterans and active-duty military. No monthly mortgage insurance. We have been VA-approved since January 25, 2002.

DSCR / Investor Loans — No personal income verification required. Perfect for Amelia Island vacation rental and investment property buyers — qualify based on rental income potential.

Non-QM / Bank Statement Loans — Self-employed buyers and business owners can qualify using 12-24 months of bank statements.

Second Home Financing — Specialized programs for buyers purchasing a second home or vacation property on Amelia Island.

Construction-to-Permanent Loans — One-time close construction loans for custom builds on Amelia Island and throughout Nassau County.

About Nathan Young — Your Amelia Island Mortgage Expert

Nathan Young (NMLS #325206) is the founder and president of North Star Mortgage Network, Inc. (NMLS #356789). He has lived and worked in Northeast Florida for over 25 years.

  • 2025 NAMB Broker of the Year
  • Five Star Mortgage Professional 2024 & 2025
  • Three Best Rated — Top 3 Jacksonville Mortgage Broker 2023, 2024, 2025
  • 331+ Google Reviews — 5.0 Stars

Also serving: Fernandina Beach | Yulee | Callahan | Jacksonville, FL | Nassau County

Call or text: (904) 880-6741
Email: nathan@nsmn.com
Apply online: https://356789.my1003app.com/325206/register
Get a rate quote: https://356789.my1003app.com/325206/inquiry

North Star Mortgage Network, Inc. | NMLS #356789 | Nathan Young NMLS #325206 | 12058 San Jose Blvd Suite 404, Jacksonville, FL 32223 | All loans subject to credit approval. Equal Housing Opportunity.