Mortgage Broker in Duval County, FL
Updated October 2026
Quick answer: North Star Mortgage Network, Inc. is an independent mortgage broker on San Jose Boulevard in Jacksonville, serving all of Duval County since 2000. We compare FHA, VA, USDA, conventional, jumbo and down payment assistance options across many wholesale lenders for buyers and homeowners from the Beaches to Baldwin. Available for qualified borrowers; program guidelines apply, and all loans are subject to credit approval.
Get a rate quote · Start an application · Call 904-880-6741
Where we help buyers in Duval County
| Area | Neighborhoods | What buyers ask about |
|---|---|---|
| Mandarin and Southside | Mandarin, San Jose, Baymeadows, Deerwood, Tamaya | Conventional and jumbo purchases, refinancing, flood-zone questions near the river |
| The Beaches | Atlantic Beach, Neptune Beach, Jacksonville Beach | Flood insurance, condos, VA buyers near Naval Station Mayport |
| Arlington and Intracoastal West | Arlington, Fort Caroline, Intracoastal West | First-time buyers, FHA and VA, older homes |
| Westside | Argyle, Cedar Hills, Ortega | VA buyers near NAS Jacksonville, FHA, down payment assistance |
| Northside | Oceanway, Northside, near the airport and Blount Island | New construction from builders, FHA, VA, first-time buyers |
| Baldwin and west Duval | Baldwin, Whitehouse, Maxville | Larger lots, manufactured homes on land, USDA in eligible areas |
Loan options for Duval County buyers
- FHA: 3.5% down for qualified borrowers, with flexible credit qualifying.
- VA: 0% down for qualified veterans and service members. See VA loans in Jacksonville and Northeast Florida.
- Conventional: as little as 3% down for qualified first-time buyers; mortgage insurance can come off later.
- USDA: 0% down in eligible rural parts of west and north Duval, for buyers under the income limit.
- Down payment assistance: Hometown Heroes and the $10,000 Florida Housing assistance for qualified first-time buyers. See down payment assistance in Northeast Florida.
- Manufactured homes on land: see manufactured home loans.
FHA, VA and USDA guidelines may change, and lender overlays may be stricter. Any rate or payment figure we give you is an estimate based on the information provided.
Down payment help in Duval County
Duval County buyers have two paths. Statewide Florida Housing programs, including Hometown Heroes, work here for qualified first-time buyers, and we place those loans through approved participating lenders. The City of Jacksonville also runs Headstart to Homeownership (H2H), which uses its own approved lender list. We’ll tell you honestly which one fits you better. Start with our first-time home buyer guide.
Check the flood zone before you offer
Much of Duval County sits near the St. Johns River, its creeks, the Intracoastal Waterway or the ocean. If a home is in a FEMA special flood hazard area, flood insurance is required and changes your payment. Look up the flood zone early and get insurance quotes before you sign a contract.
Why work with a local broker
We have served Jacksonville from the same office since 2000. As an independent broker, we shop your loan across many wholesale lenders instead of offering one bank’s products. You get competitive pricing, fast closings on complete files, and Nathan or Karla on the phone. North Star has Hundreds of 5-Star Google Reviews, and Nathan Young was named 2025 NAMB Mortgage Broker of the Year.
Nearby: St. Johns County · Clay County · Nassau County · Baker and Bradford
Duval County mortgage FAQ
Do you work with buyers anywhere in Duval County?
Yes. We help buyers and homeowners across Duval County, including Jacksonville, the Beaches, Mandarin, Arlington, the Southside, the Westside, the Northside and Baldwin. Program guidelines apply, and all loans are subject to credit approval.
Is there down payment assistance in Duval County?
Often, yes. Statewide Florida Housing programs such as Hometown Heroes and the $10,000 Florida Housing assistance work in Duval County for qualified first-time buyers, and the City of Jacksonville runs its own Headstart to Homeownership (H2H) program with its own approved lenders. Funding changes, so confirm before you write an offer.
Can I use a VA loan near NAS Jacksonville or Mayport?
Yes. VA loans allow 0% down for qualified veterans and service members. Many buyers near NAS Jacksonville look on the Westside and in Orange Park, and many near Naval Station Mayport look at the Beaches and Arlington. VA guidelines may change, and lender overlays may be stricter.
Does flood insurance affect my Duval County mortgage?
It can. If the home is in a FEMA special flood hazard area, the lender will require flood insurance, which adds to your monthly payment. Check the flood zone before you make an offer, especially near the St. Johns River, the Intracoastal and the Beaches.
Why use a mortgage broker instead of a bank in Jacksonville?
A bank offers its own loans. As an independent broker since 2000, we compare options from many wholesale lenders, which can help when one lender’s credit score or property rules don’t fit your situation.
North Star Mortgage Network, Inc. · 12058 San Jose Blvd, Suite 404, Jacksonville, FL 32223 · 904-880-6741 · Company NMLS #356789 · Nathan Young NMLS #325206 · Equal Housing Lender
Available for qualified borrowers; program guidelines apply. FHA, VA and USDA guidelines may change, and lender overlays may be stricter. Any rate or payment figure is an estimate based on the information provided. Rates and terms are subject to change. All loans subject to credit approval.
