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

 

If you're buying a home in Fernandina Beach, Amelia Island, Yulee, Callahan, or anywhere in Nassau County, Florida, North Star Mortgage Network is your local independent mortgage broker — personal service, competitive rates, and fast closings.

Founded by Nathan Young (NMLS #325206)In 2000, we have been serving Nassau County homebuyers for over 25 years with the same commitment to honesty and client-first service that has made us one of Northeast Florida's most trusted mortgage brokerages.

 

Nassau County Communities We Serve

Fernandina Beach — Historic coastal city on Amelia Island with unique financing needs
Amelia Island — Luxury coastal living and vacation home financing
Yulee — Fast-growing suburban community with new construction and affordable options
Callahan — Rural Nassau County community with USDA financing opportunities
Hilliard — Small town Nassau County with acreage and rural property financing
Bryceville — Rural community west of Jacksonville
Nassau County barrier island properties — Specialty financing for coastal and flood zone properties

 

Mortgage Programs Available in Nassau County

Conventional Loans — Competitive rates for credit-qualified buyers with as little as 3% down.

FHA Loans — Great for first-time homebuyers in Yulee and Fernandina Beach. As little as 3.5% down.

VA Loans — 100% financing for veterans and active-duty military. Nassau County has a strong military community, and Nathan Young is an experienced VA lender.

USDA Loans — Callahan, Hilliard, Bryceville, and other rural areas of Nassau County may qualify for zero-down-payment USDA financing.

Jumbo Loans — Luxury properties on Amelia Island and in Fernandina Beach often require jumbo financing above conforming loan limits. We have competitive jumbo programs.

Second Home & Vacation Home Loans — Amelia Island vacation home financing with competitive rates and flexible programs.

DSCR / Investor Loans — Real estate investors purchasing rental properties on Amelia Island or throughout Nassau County.

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

Construction-to-Permanent Loans — Building a custom home in Nassau County? One-time close construction loans available.

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

 

Why Nassau County Homebuyers Choose North Star Mortgage Network

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

  • Access to more loan programs than any single bank can offer
  • Wholesale rates not available to the general public
  • Local expertise — we know Nassau County's unique coastal and rural markets
  • Specialty financing for Amelia Island vacation homes and investment properties
  • Personal service from Nathan Young directly
  • Fast closings — we close on time every time

About Nathan Young — Your Nassau 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 Nassau County families from Amelia Island to Callahan.

2025 Florida Mortgage Broker of the Year — NAMB
Five Star Mortgage Professional 2024 & 2025
Three Best Rated — Top 3 Jacksonville Mortgage Broker 2023, 2024, 2025
329+ Google Reviews — 5.0 Stars
Featured in CBS News and Mortgage Professional America

Ready to buy a home in Nassau 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.