One broker. Many wholesale lenders. The right loan for you.
I'm Nathan Young. Since 2000, I've helped Florida families buy and refinance homes by comparing loan options from many wholesale lenders, not just one bank's menu.
No SSN needed to start · Free, no-obligation quote · Available for qualified borrowers
2025 NAMB Mortgage Broker of the Year · Hundreds of 5-Star Google Reviews · BBB Accredited Business · Serving Florida Since 2000
How it works
Tell me your goal
Buying, refinancing, or using your equity. A two-minute quote request is all it takes to start.
I compare many lenders
I shop your scenario across many wholesale lenders and show you the options side by side, in plain English.
You close with confidence
You pick the loan. My team and I handle the details and keep you updated through closing.
Bank said no? Deal falling apart? Call me.
Big banks lend by their own rulebook, and it's often stricter than what Fannie Mae, Freddie Mac, FHA or VA actually require. When a bank backs out close to closing, the deal usually isn't dead. It's just in the wrong place.
Since 2000 I've taken over files that stalled at banks: debt ratios, credit, self-employed income, appraisal problems. I work out what went wrong and move the file to a wholesale lender whose guidelines fit it. Many of those files close.
Call or text 904-880-6741 as soon as trouble starts. The earlier I see the file, the more options there are. What to do when a bank says no.
Not every file can be saved, and I'll tell you honestly if yours can't. All loans subject to credit approval.
Why work with a broker
More choices
A bank offers its own loans. I compare many wholesale lenders, so you see more options for your situation.
Competitive pricing
Wholesale pricing and side-by-side comparisons help you make an informed choice. Rates and terms are subject to change.
Loans for real life
FHA, VA, USDA, conventional, jumbo, bank statement, and asset-based options for self-employed and retired borrowers.
Down payment help
Florida Bond programs and local assistance, when funds are available. Program guidelines apply.
Fast closings on complete files
A fully underwritten pre-approval helps you make strong offers and close on time.
One person, start to finish
You work directly with me, a Florida mortgage broker since April 2000, not a call center.
Why working with an owner-broker can cost you less
I own North Star Mortgage Network. There's no corporate overhead, no branch manager and no layers of management built into your pricing. I shop your file across many wholesale lenders at wholesale pricing, which is often more competitive than what a retail bank can offer.
How I'm paid is simple and fully disclosed: either the lender pays me or you do, never both, and it's shown on your Loan Estimate. Already have a quote from someone else? Send it to me and I'll tell you honestly how it compares.
Rates and terms are subject to change. Any rate or payment is an estimate based on the information provided. All loans subject to credit approval.
Broker, bank, or online lender?
| Mortgage broker (NSMN) | Bank | Online lender | |
|---|---|---|---|
| Loan options | Many wholesale lenders | Its own products | Its own products |
| Who you work with | Nathan, directly | Varies by branch | Call center or app |
| Local market knowledge | Northeast Florida since 2000 | Varies | Usually national |
| Specialty loans | Self-employed, VA, DPA, jumbo, non-QM | Often limited | Often limited |
Client stories
Individual results vary. Every loan depends on credit, income, property, and program guidelines.
Ready to see your options?
A free quote takes about two minutes. No SSN needed to start.
Ready to apply? Start your application · or call/text 904-880-6741
North Star Mortgage Network, Inc. | 12058 San Jose Blvd, Suite 404, Jacksonville, FL 32223 | 904-880-6741 | www.nsmn.com
Nathan Young NMLS #325206 | Company NMLS #356789 | Equal Housing Opportunity
Rates, terms, and program availability are subject to change. Available for qualified borrowers. Program guidelines apply. All loans subject to credit approval.
