Serving Jacksonville, Mandarin, Julington Creek, St. Johns, Nocatee, Ponte Vedra, Fleming Island, and all of Northeast Florida

Just as sailors once relied on the North Star to find their way, my job is to give you a fixed point you can trust in your home financing journey — clear direction, honest answers, and a steady hand from application to closing.

I'm Nathan Young, founder of North Star Mortgage Network, Inc. I opened this brokerage in Jacksonville in April 2000, and for more than 25 years I've helped Florida families buy, build, and refinance their homes. As an independent mortgage broker, I'm not limited to one bank's rates or programs — I shop multiple lenders on your behalf to find the loan that genuinely fits your situation, whether that's Conventional, FHA, VA, USDA, construction, or self-employed financing.

My path here wasn't a straight line. After graduating from Florida State University, I started my career in health and fitness administration before discovering my real passion in real estate and mortgage lending. That career change taught me something I've never forgotten: big life decisions deserve a guide who listens first and explains everything in plain English.

Two and a half decades in, the best part of this job hasn't changed — the moment I get to call a client and say, "You're clear to close."

When I'm not helping clients, I'm a husband and dad, a fitness enthusiast, and a musician.

What Clients Say

"Nathan, Karla, and his team were the epitome of service. They were extremely responsive, knowledgeable, flexible and efficient. I got an email before the start of every weekend with my current status, the steps to follow, and documents needed. That was exceptional." — Ben B.

"We've worked together on a few closings with North Star Mortgage, and Nathan is always a pleasure to work with." — Maxine Q.

"Nathan was an absolute rock star through this process. He helped put my mind at ease." — Chris N.

⭐ 5.00 average rating across 27 client reviews

Jacksonville Mortgage FAQs

What's the difference between a mortgage broker and a bank in Florida?

A bank can only offer its own products. A broker like North Star compares programs and pricing across multiple lenders and works for you, not one institution.

What credit score do I need to buy a home in Jacksonville?

Many programs start around 580–620 for FHA and 620 for Conventional, though requirements vary by lender and situation. All loans are subject to credit approval — a soft pre-qualification shows your real options without an SSN.

How much down payment do I need in Florida?

FHA starts at 3.5% down, VA offers 100% financing to eligible veterans, USDA offers 0% down in eligible areas, and Conventional starts at 3% for qualified first-time buyers. Down payment assistance may also be available.

How long does it take to close on a house in Jacksonville?

Most purchase loans close in roughly 21–30 days once under contract, depending on the program and how quickly documents come in.

Can I get pre-approved without hurting my credit?

Yes — start with a soft pre-qualification (credit score range, income, purchase price, down payment). No SSN required at that stage.

Who is the founder of North Star Mortgage Network?

Nathan Young (NMLS #325206) founded North Star Mortgage Network in Jacksonville in April 2000 and has served Florida homebuyers for more than 25 years.

Your best interest is my principal concern. Let's navigate your home financing journey together — Ask Me a Question or Apply Now today.

Nathan Young NMLS #325206 | North Star Mortgage Network, Inc. NMLS #356789