Mortgage Broker in St. Johns County, FL — North Star Mortgage Network
Mortgage Broker in St. Johns County, FL — North Star Mortgage Network
If you're buying a home in Nocatee, Ponte Vedra Beach, Fruit Cove, Julington Creek, Rivertown, SilverLeaf, or anywhere in St. Johns County, Florida, you deserve a mortgage broker who knows this market — not a call center in another state.
North Star Mortgage Network has been serving Northeast Florida homebuyers since 2000. Founded by Nathan Young (NMLS #325206), our Jacksonville-based independent brokerage has helped hundreds of St. Johns County families achieve homeownership with personalized service, competitive rates, and fast closings.
St. Johns County Communities We Serve
Nocatee — One of the top-selling master-planned communities in the nation
Ponte Vedra Beach — Luxury coastal living along the First Coast
Fruit Cove — Family-friendly neighborhoods with top-rated schools
Julington Creek — Established community with great amenities
Rivertown — New construction along the St. Johns River
SilverLeaf — Fast-growing community near St. Augustine
St. Augustine — Historic charm meets modern living
World Golf Village — Golf course homes and resort-style living
Palm Valley — Quiet coastal living near Ponte Vedra
St. Johns 32259 — One of Northeast Florida's most sought-after zip codes
Mortgage Programs Available in St. Johns County
Conventional Loans — Available with as little as 3% down for qualified buyers.
FHA Loans — Perfect for first-time homebuyers in Nocatee, Fruit Cove, and SilverLeaf. As little as 3.5% down.
VA Loans — 100% financing for veterans and active-duty military. No monthly mortgage insurance.
USDA Loans — Some areas of St. Johns County may qualify for 100% USDA rural financing.
Jumbo Loans — Competitive jumbo programs for Ponte Vedra Beach and World Golf Village.
DSCR / Investor Loans — No personal income verification required for rental property investors.
Non-QM / Bank Statement Loans — Self-employed buyers can qualify using 12-24 months of bank statements.
Construction-to-Permanent Loans — One-time close construction loans for new builds in Rivertown and SilverLeaf.
Down Payment Assistance — First-time homebuyers in St. Johns County may qualify for Florida DPA programs.
Why Work With an Independent Mortgage Broker in St. Johns County?
When you work with North Star Mortgage Network, you get access to dozens of wholesale lenders competing for your business. That means lower rates, more loan options, local expertise, and personal service — not a 1-800 number.
About Nathan Young — Your St. Johns County 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. Johns County homebuyers personally from pre-qualification through closing.
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 St. Johns 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.
