If you are buying or refinancing a home in St. Augustine, Florida, North Star Mortgage Network is your local independent mortgage broker. Founded by Nathan Young in 2000, we have served Northeast Florida homebuyers for over 25 years — including hundreds of St. Johns County families in St. Augustine and the surrounding communities.

St. Augustine is one of Florida's most sought-after real estate markets — offering historic charm, A-rated schools, beautiful neighborhoods, and strong property values. Whether you are buying in World Golf Village, SilverLeaf, or the historic district, we have the loan programs and wholesale lender access to get you competitive pricing.

Why St. Augustine 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
  • Hundreds of 5-Star Google Reviews — 5.0 Stars
  • 2025 NAMB Broker of the Year

Loan Programs Available in St. Augustine

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

FHA Loans — Perfect for first-time homebuyers in St. Augustine. 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.

USDA Loans — Some areas of St. Johns County may qualify for 100% USDA rural financing with no down payment required.

Jumbo Loans — Competitive jumbo programs for luxury properties in World Golf Village and coastal St. Augustine.

Construction-to-Permanent Loans — One-time close construction loans for new builds in SilverLeaf, Rivertown, and throughout St. Johns County.

DSCR / Investor Loans — No personal income verification required for St. Augustine 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 St. Augustine 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 and serves St. Augustine homebuyers personally from pre-qualification through closing.

  • 2025 NAMB 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 — 5.0 Stars

Also serving: Nocatee | Ponte Vedra Beach | Fruit Cove | World Golf Village | SilverLeaf | 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.