Mortgage Broker in Clay County, FL — North Star Mortgage Network

If you're buying a home in Orange Park, Fleming Island, Middleburg, Green Cove Springs, or anywhere in Clay County, Florida, North Star Mortgage Network is your local independent mortgage broker — not a call center, not a big bank. Founded by Nathan Young (NMLS #325206) in 2000, we have been serving Clay County homebuyers for over 25 years with competitive rates, personal service, and fast closings.

Clay County Communities We Serve

Orange Park — One of Clay County's most established communities, with easy access to Jacksonville Fleming Island — Master-planned waterfront community with top-rated schools Middleburg — Growing suburban community with affordable homebuying options Green Cove Springs — Historic riverfront city along the St. Johns River Oakleaf Plantation — One of Clay County's fastest-growing planned communities Jennings State Forest area — Rural properties and acreage financing available Keystone Heights — Lake community with unique financing needs Lake Asbury — Family-friendly neighborhoods with great value

Mortgage Programs Available in Clay County

Conventional Loans — Low rates for credit-qualified buyers with as little as 3% down. FHA Loans — Perfect for first-time homebuyers in Orange Park and Fleming Island. As little as 3.5% down with flexible credit requirements. VA Loans — 100% financing for veterans and active-duty military. Clay County has a large military community, and Nathan Young is an experienced VA lender. USDA Loans — Many areas of Clay County qualify for USDA rural financing with zero down payment. Middleburg, Green Cove Springs, and Keystone Heights may be eligible. Conventional Loans for Oakleaf — As little as 3% down for qualified buyers in Oakleaf Plantation, including newly built homes purchased from a builder. Renovation Loans — FHA 203(k) and conventional renovation programs finance the purchase and the repairs in one loan, underwritten on the home’s value after the work is complete. Reverse Mortgages — Clay County homeowners 62 and older may be able to convert home equity into proceeds with no monthly mortgage payment required. Property taxes, homeowners insurance, and property maintenance remain the homeowner’s responsibility. DSCR / Investor Loans — Real estate investors purchasing rental properties in Clay County with no personal income verification required. Non-QM / Bank Statement Loans — Self-employed buyers in Clay County can qualify using 12-24 months of bank statements. Down Payment Assistance — First-time homebuyers in Clay County may qualify for Florida down payment assistance programs.

Why Clay County Homebuyers Choose North Star Mortgage Network

As an independent mortgage broker, we shop many wholesale lenders to find the best rate for your specific situation. Clay County buyers get:

  • More loan options than any single bank can offer
  • Wholesale rates not available to the general public
  • Local expertise — we know Clay County neighborhoods and builders
  • Personal service from Nathan Young directly
  • Fast closings — we close on time every time

About Nathan Young — Your Clay County Mortgage Expert

Nathan Young (NMLS #325206) is the founder and president of North Star Mortgage Network, Inc. (NMLS #356789). He has served Northeast Florida homebuyers for over 25 years, including hundreds of Clay County families. 2025 NAMB Mortgage Broker of the Year Five Star Mortgage Professional 2024 & 2025 Three Best Rated — Top 3 Jacksonville Mortgage Broker 2023, 2024, 2025 Hundreds of 5-Star Google Reviews — Featured in CBS News and Mortgage Professional America Ready to buy a home in Clay County? No SSN required for your initial consultation. Call or text: (904) 880-6741 Email: nathan@nsmn.com Apply online: https://356789.my1003app.com/325206/register Get a rate quote: https://356789.my1003app.com/325206/inquiry North Star Mortgage Network, Inc. | NMLS #356789 | Nathan Young NMLS #325206 | 12058 San Jose Blvd, Suite 404, Jacksonville, FL 32223 | All loans subject to credit approval.

Also Serving Northeast Florida:

What Shapes a Clay County Mortgage

Clay County covers a lot of ground, and the financing conversation changes considerably depending on where in the county you are buying. CDD assessments in the master-planned communities. Fleming Island Plantation, Eagle Harbor, and Oakleaf Plantation sit inside Community Development Districts. The CDD assessment funds the community’s infrastructure and amenities, appears on your annual Clay County tax bill alongside property taxes, and varies by neighborhood and by phase. It counts in your qualifying payment the same way taxes and insurance do — so a buyer approved comfortably for a non-CDD home may qualify for less house at the same price inside a CDD. I look up the figure for the specific address up front, before we pull credit. More detail on my Fleming Island page. USDA eligibility in the west and south. Middleburg, Green Cove Springs, and Keystone Heights have historically fallen inside USDA-eligible areas, which allows 100% financing with no down payment and no military service requirement. Orange Park and Fleming Island generally do not qualify. USDA also applies household income limits that count adults who are not on the loan, and eligibility maps are revised periodically — so the address and the income limit both get verified before a pre-approval goes out. Older housing stock near Orange Park. Established neighborhoods bring roof life, original electrical panels, and septic or well systems into the underwriting conversation. When a home will not pass an as-is appraisal, an FHA 203(k) or conventional renovation loan finances the purchase and the repairs together. See my Orange Park page for how that works in practice. NAS Jacksonville proximity. Clay County has a large veteran and active-duty population, and VA financing is one of the most common loan types I place here. North Star Mortgage Network received VA approval from the St. Petersburg Regional Office on January 25, 2002. Details are in my VA loan guide for Northeast Florida. All figures are estimates based on the information provided and subject to credit approval.

Clay County Mortgage FAQs

Do you work with homebuyers throughout Clay County?

Yes. We serve Fleming Island, Green Cove Springs, Middleburg, Oakleaf, and Keystone Heights. As an independent mortgage broker, we shop multiple lenders to find the right fit for your situation.

What loan programs are available in Clay County?

Conventional, FHA, VA, USDA (many Clay County areas qualify), reverse mortgages, renovation loans, and down payment assistance programs — plus flexible options for self-employed buyers.

How fast can you close on a Clay County home?

Many of our loans close in under 30 days. Timelines vary by loan type and are subject to credit approval.

How do I get pre-approved?

Start with a soft pre-qualification — no Social Security number required. We review your credit range, income, and goals, then issue a pre-approval letter you can shop with.

Which parts of Clay County qualify for USDA loans?

Middleburg, Green Cove Springs, and Keystone Heights have historically fallen inside USDA-eligible areas. Orange Park and Fleming Island generally do not. Eligibility maps are revised periodically, so I verify the specific property address rather than relying on the town.

Does a CDD assessment affect how much home I qualify for?

Yes. The CDD assessment is included in your monthly housing expense for qualifying purposes, alongside property taxes and homeowners insurance. Fleming Island Plantation, Eagle Harbor, and Oakleaf Plantation all carry assessments that vary by phase. Two homes at the same price can produce different qualifying payments if one carries a CDD and the other does not.

Do you offer reverse mortgages in Clay County?

Yes, for homeowners 62 and older. A reverse mortgage converts home equity into proceeds with no required monthly mortgage payment. The homeowner remains responsible for property taxes, homeowners insurance, and maintaining the property. If you are under 62 or want to keep your existing first mortgage, a home equity line or second mortgage may fit better.

Can I finance a rental property in Clay County?

Yes. A DSCR loan qualifies on the property’s rental income rather than your personal income, which makes it a common fit for investors. See my guide to investment property financing. North Star Mortgage Network, Inc. (NMLS #356789) | Nathan Young, NMLS #325206 | 904-880-6741  

Get a Quick Quote for Your Clay County Mortgage

Ready to see your numbers? Fill out the short form below and we’ll shop your scenario across our wholesale lenders — no SSN required at this stage. All quotes are estimates based on the information provided and subject to credit approval. You can also check today’s mortgage rates anytime.

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