SEARCH BLOGS

North Star Mortgage Network Blog – Florida Mortgage Tips & News

Welcome to the North Star Mortgage Network Blog, where Florida homeowners, buyers, and investors come for honest mortgage advice.

Each article is written to help you make smarter financial decisions. Whether you’re exploring loan options, comparing rates, or watching the real estate market, you’ll find simple explanations and practical tips you can use.

At North Star Mortgage Network, we believe in keeping things clear and personal — no jargon, no confusion, just the truth about what’s happening in Florida’s housing and mortgage world.


What You’ll Find on the North Star Mortgage Network Blog

The North Star Mortgage Network Blog covers everything you need to understand the mortgage process in Florida.

You’ll find:

  • Rate updates and Federal Reserve insights.

  • Guides for FHA, VA, USDA, Conventional, and Non-QM loans.

  • Local market trends from Jacksonville, St. Johns, and across Florida.

  • Credit and refinance tips to help you save money.

  • Step-by-step explanations for first-time buyers.

We write every post with one goal — to help you feel informed and confident about your mortgage decisions.

For additional lending and housing resources, visit HUD.gov.


Expert Insights You Can Trust

Our blog is led by Nathan Young, founder and president of North Star Mortgage Network. With over 25 years of experience in Florida lending, Nathan brings real-world knowledge and straight talk to every topic.

We break down complex mortgage topics into easy-to-read articles so you can understand how rates, loan programs, and market changes affect you.

From Jacksonville to Miami, we’ve helped thousands of Floridians buy, refinance, and invest with confidence.


Popular Topics

Here are a few of the topics we cover on the North Star Mortgage Network Blog:

  • FHA and VA loan guidelines made simple.

  • Down payment assistance programs available in Florida.

  • Rate trends and Fed updates that affect your payment.

  • Home equity strategies and refinance opportunities.

  • Tips for real estate investors using DSCR and Non-QM loans.

New posts are added weekly, so check back often for updates.


Why Readers Choose the North Star Mortgage Network Blog

Unlike national mortgage blogs, our content is built specifically for Florida homeowners.

We know the local programs, market conditions, and challenges that borrowers face here. Our advice is based on hands-on experience — not national averages.

When you read our blog, you get information that applies directly to your local market and your financial goals.


Subscribe and Stay Updated

Don’t miss the latest insights from the North Star Mortgage Network Blog.

Sign up for our free newsletter to receive new posts, rate updates, and home loan advice straight to your inbox.

Debunking Broker Myths: Save on Your Mortgage! | Check out our latest videos. Please follow us on

September 20, 2024

Independent brokers offer a faster, easier, and cheaper mortgage pathway with personalized services and access to diverse products.A common myth is that brokers are expensive, but they actually offer lower fees and better deals.

Strategies for a Smooth Real Estate Closing | Check out our latest videos. Please follow us on

September 20, 2024

Develop clear communication with your Real Estate team for a smooth transaction process. Secure thorough mortgage pre-approval to strengthen your position and avoid finance-related delays.

Unlocking Tax Benefits and Implications of Home Ownership

September 19, 2024
Tax Benefits of Home Ownership

Beyond the pride of owning a home, there are significant financial benefits that come with it, especially during tax season. Navigating these benefits can sometimes be overwhelming due to the complexity of tax laws, but understanding them can provide substantial financial perks. Mortgage Interest Deduction Homeowners can deduct the interest they pay on their mortgage,…

Reverse Mortgages

September 19, 2024
Reverse Mortgages

Are reverse mortgages puzzling you? With so much conflicting information available, it can be a challenge to understand them thoroughly. This post aims to demystify reverse mortgages by presenting ten essential facts, offering balanced insights whether you’re considering one or exploring other options. Reverse Mortgages Use Your Home’s Equity Reverse mortgages allow homeowners to borrow…

Will 2024 Rate Cuts Boost Homebuying? | Check out our latest videos. Please follow us on

September 19, 2024

Interest rate cuts expected by the end of 2024, affecting homebuying decisions.Even small rate cuts could bring millions of buyers back into the housing market.

How will the Fed cut impact the mortgage market?

September 19, 2024
Fed cut impact mortgages?

Brief window for refinance boom expected following the rate change, expert says. In a significant shift from its previous monetary policy stance, the Federal Reserve announced Wednesday that it would lower its fund rate by 50 basis points to a range of 4.75% to 5%.   The move comes as concerns grow over slowing economic…

How does the Federal Reserve affect mortgages?

September 19, 2024
How does the Federal Reserve affect mortgages?

The Federal Reserve doesn’t set mortgage rates outright. But its decisions in setting interest rates do play a role in the percentages lenders offer would-be homeowners. And even if the Fed keeps things unchanged, mortgage rates can still fluctuate. So, overall, how do the Fed’s monetary-policy moves affect mortgages — and influence the cost of…

Yes! Mortgage Rates Really Did Move HIGHER After The Fed Rate Cut

September 19, 2024
Mortgage Rates HIGHER After Rate Cut

We publish daily coverage of mortgage rate movement and have done so for nearly 20 years now.  It’s a great place to quickly check in on rate trends and to get a sense of what’s true and what matters.  If you’d been checking in at any point in the past few days/weeks, you likely saw…

Fed Cuts Interest Rates For First Time In 4 Years: Here’s What It Means For You

September 19, 2024
Fed Cuts Interest Rates

The Federal Reserve took the widely expected step Wednesday of announcing its first interest rate cut in years, a move that will have a major impact on the finances of Americans across the board, making borrowing cheaper, though the golden days of high-yield savings instruments may be over. Key Facts The Fed’s policy-setting committee cut the federal funds rate…

Fed slashes interest rates by a half point, an aggressive start to its first easing campaign in four years

September 18, 2024
Fed Rate Cut

Key Points The Federal Open Market Committee chose to lower its key overnight borrowing rate by a half percentage point, or 50 basis points, amid signs that inflation was moderating and the labor market was weakening. It was the first interest rate cut since the early days of the Covid pandemic. Outside of the emergency…