Search results for: down-payment
Christy Carmichael
Christy Carmichael Sr. Loan Officer | First-Time Homebuyer Specialist Work 12058 San Jose Blvd, Ste 404 Jacksonville, FL. 32223 Office: 904-880-6741 Cell: 904-651-0788 Email Christy Ask Me A Question Apply Now Profile Serving Jacksonville and Northeast Florida families and first-time homebuyers Buying your first home should feel exciting — not overwhelming. I'm Christy Carmichael, Senior…
Read MoreDown Payment Assistance in Jacksonville and Northeast Florida
Short answer Florida buyers can use Hometown Heroes (5% of the loan, $10,000 to $35,000) or $10,000 Florida Housing assistance in every county we serve, and sometimes county SHIP help too, depending on income, price and program. Funding and guidelines change, so check before you write an offer. Call or text 904-880-6741 Ask about your…
Read MoreHow to Choose the Best Mortgage Broker in Jacksonville, FL
✓ No Social Security number ✓ No credit pull ✓ About 2 minutesHundreds of 5-Star Google Reviews · Serving Florida since 2000 Here’s what to check before you choose a mortgage broker in Jacksonville, and how North Star measures up so you can judge for yourself. Nathan Young and the team at North…
Read MoreMortgage Broker Nassau County, FL
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 April…
Read MoreUSDA Manufactured Home Loans in Florida (2026 Update)
2026 Update (September 2026) USDA charges a 1% upfront guarantee fee (it can be financed) and a 0.35% annual fee on the average unpaid balance, paid monthly.
Read MoreQ&A
Mortgage Questions and Answers, Florida Quick answer These are the mortgage questions Florida borrowers ask me most, answered in plain English by Nathan Young, a Jacksonville mortgage broker since 2000. Each answer is short, with a link to the full guide if you want more. Every situation is different, so call or text 904-880-6741 if…
Read MoreFirst-Time Home Buyers in Jacksonville and Northeast Florida
Short answer First-time buyers in Jacksonville have more options than most people realise — FHA at 3.5% down, VA with nothing down for those who qualify, conventional at 3%, plus Florida and City of Jacksonville down payment assistance. The right one depends on your credit, your income and the county you buy in. Call or…
Read MoreRenting vs Buying in Florida: The Real Math for 2026
The renting vs buying question in Florida is no longer a slogan. It is math. And in 2026, the math is close.
Read MoreMortgage Questions Answered: What to Ask Your Mortgage Originator and How North Star Mortgage Simplifies the Process
When securing a home loan, having your mortgage questions answered is essential for making informed decisions.
Read MoreDown Payment Assistance
Down Payment Assistance Florida – Helping You Buy Your First Home What Is Down Payment Assistance Florida? Down Payment Assistance Florida programs are designed to help qualified buyers cover some—or all—of their down payment and closing costs. These programs may come in the form of grants, forgivable loans, or low-interest second mortgages, giving families the…
Read More
