Mortgage Broker Fruit Cove FL | North Star Mortgage Network

If you are buying or refinancing a home in Fruit Cove, Florida, North Star Mortgage Network is your local independent mortgage broker. Founded by Nathan Young in 2000, we have helped hundreds of St. Johns County families achieve homeownership with competitive rates, personalized service, and fast closings.

Fruit Cove is one of the most family-friendly communities in Northeast Florida — known for its A-rated schools, beautiful neighborhoods, and prime location between Jacksonville and Nocatee. Whether you are buying your first home or moving up, we have the loan programs and wholesale lender access to get you the best deal available.

Why Fruit Cove Homebuyers Choose North Star Mortgage Network

  • No SSN required for your initial consultation
  • Same-day pre-approval in most cases
  • Direct access to Nathan Young from day one
  • 331+ Google Reviews — 5.0 Stars
  • 2025 NAMB Broker of the Year

Loan Programs Available in Fruit Cove

Conventional Loans — As little as 3% down for qualified buyers.

FHA Loans — Perfect for first-time homebuyers in Fruit Cove. As little as 3.5% down with flexible credit requirements.

VA Loans — 100% financing for veterans and active-duty military. No monthly mortgage insurance. We have been VA-approved since January 25, 2002.

Jumbo Loans — Competitive jumbo programs for higher-priced Fruit Cove and St. Johns County properties.

Construction-to-Permanent Loans — One-time close construction loans for new builds throughout St. Johns County.

DSCR / Investor Loans — No personal income verification required for investment property investors.

Non-QM / Bank Statement Loans — Self-employed buyers can qualify using 12-24 months of bank statements.

Down Payment Assistance — First-time homebuyers may qualify for Florida DPA programs.

About Nathan Young — Your Fruit Cove Mortgage Expert

Nathan Young (NMLS #325206) is the founder and president of North Star Mortgage Network, Inc. (NMLS #356789). He has lived and worked in Northeast Florida for over 25 years.

  • 2025 NAMB Broker of the Year
  • Five Star Mortgage Professional 2024 & 2025
  • Three Best Rated — Top 3 Jacksonville Mortgage Broker 2023, 2024, 2025
  • 331+ Google Reviews — 5.0 Stars

Also serving: Julington Creek | Nocatee | Ponte Vedra Beach | St. Augustine | Jacksonville, FL

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. Equal Housing Opportunity.