Looking for a trusted Florida mortgage broker? Nathan Young at North Star Mortgage Network has been helping Florida homebuyers and investors secure the right loan since 2000 — over 25 years of experience across Jacksonville, Northeast Florida, and the entire state.

As an independent Florida mortgage broker, we shop many wholesale lenders to find you the best rate and program — not just what one bank offers.

With 331+ five-star Google reviews, the 2025 NAMB Mortgage Broker of the Year award, and recognition as a Top 3 Mortgage Company in Jacksonville, North Star Mortgage Network is one of Florida's most trusted independent brokers.

Why Work With a Florida Mortgage Broker?

Unlike banks and direct lenders, an independent mortgage broker works for YOU. We compare rates from many wholesale lenders to find the best fit for your financial situation — whether you're buying your first home, refinancing, or investing.

25+ years serving Florida homebuyers
331+ five-star Google reviews at 5.0 stars
2025 NAMB Mortgage Broker of the Year
many wholesale lenders relationships
FHA, VA, Conventional, USDA, DSCR, Bank Statement and more
Neptune 8-Day Close — lightning-fast closings
BBB Accredited Business
Locally owned in Mandarin, Jacksonville since 2000

Florida Mortgage Loan Programs

Conventional Loans (as low as 3% down)
FHA Loans (3.5% down, scores from 580)
VA Loans (0% down for veterans and active military)
USDA Loans (0% down in eligible rural Florida areas)
DSCR Loans (for Florida investment properties)
Bank Statement Loans (for self-employed Floridians)
Down Payment Assistance Programs
Doctor Loans and Asset Depletion Programs
Construction and Permanent Loans
HELOCs and Second Mortgages

Areas We Serve Across Florida

Based in Jacksonville, we serve homebuyers throughout Northeast Florida and beyond — including Duval County, St. Johns County, Clay County, Nassau County, Ponte Vedra Beach, Fleming Island, Nocatee, Orange Park, Jacksonville Beach, Atlantic Beach, Fernandina Beach, Yulee, Middleburg, and St. Augustine. We are licensed to serve the entire state of Florida.

Get Your Free Florida Mortgage Rate Quote

Call or text Nathan directly at 904-880-6741, or apply online now. When you call North Star Mortgage Network — you get Nathan. Not a call center.

All loans subject to credit approval. Rates and terms are estimates based on information provided and are not guaranteed.