Search results for: fha
Nathan Young Named 2026 NAMB Influencer of the Year
NAMB has named Nathan Young, founder of North Star Mortgage Network in Jacksonville, 2026 Influencer of the Year. One of eight honored nationally.
Read MoreTemporary vs. Permanent Rate Buydowns: A Guide for Jacksonville Homebuyers
1/0, 2/1 and 3/2/1 buydowns vs. discount points, seller-paid buydowns vs. a price cut, and what happens when the buydown ends.
Read MoreFL Assist vs. FL HLP vs. PLUS: Florida DPA Programs Compared
Most people searching for down payment assistance in Florida find one program, assume that is the program, and stop looking. There are several, they are run by the same agency, and they do not work the same way at all. One is interest-free with no monthly payment. One charges 3% and adds a second payment…
Read MoreAppraisal Came in Low in Jacksonville? Your Options Before the Deal Falls Apart
Short answer When an appraisal comes in below the purchase price, the lender bases the loan on the lower value, which leaves a gap. Common fixes are renegotiating the price, covering part of the gap, asking for a reconsideration of value, or using your appraisal contingency. Act quickly, because contract deadlines keep running. Call or…
Read MoreMortgage Denied for High Debt-to-Income in Florida? What to Do Next
A mortgage denial is one lender’s decision on one version of your file. It is not the whole market’s decision. Lenders apply the same agency guidelines in different ways. Many add their own stricter rules, called overlays. And sometimes income or debt simply gets calculated in a way that doesn’t help you. A second opinion…
Read MoreManufactured Homes, Condos and Small Loans in Florida: The Complete Guide
Short answer Yes. Manufactured homes on a permanent foundation, condos, land and small loans under $100,000 can all be financed in Florida. They just have more rules, and many lenders skip them. A broker with many wholesale lenders can find the ones that do these loans. Program guidelines apply; all loans subject to credit approval.…
Read MoreFamily and Mortgages in Florida: Buying With, From, or For a Relative
Short answer Family can help in more ways than most buyers know: gift funds, a gift of equity, co-signing as a non-occupant co-borrower, or you can even buy a home for a parent or a disabled adult child. Here’s every option in one place. Call or text 904-880-6741 Ask about your actual file — no…
Read MoreHow Long Do You Need to Be Self-Employed to Get a Mortgage?
Short answer Usually about two years. Many programs accept one to two years if you worked in the same line of work before going out on your own, and bank statement or asset-based loans can help while your business builds history. Call or text 904-880-6741 Ask about your actual file — no SSN, no credit…
Read MoreJacksonville Mortgage Broker: Many Lenders, One Trusted Guide
One broker. Many wholesale lenders. The right loan for you. I’m Nathan Young. Since 2000, I’ve helped Florida families buy and refinance homes by comparing loan options from many wholesale lenders, not just one bank’s menu. Get my free rate quote No SSN needed to start · Free, no-obligation quote · Available for qualified borrowers…
Read MoreMortgage Denied in Jacksonville? Get a Second Opinion Before You Give Up
A mortgage denial is one lender’s decision on one version of your file. It is not the whole market’s decision. Lenders apply the same agency guidelines in different ways. Many add their own stricter rules, called overlays. And sometimes income or debt simply gets calculated in a way that doesn’t help you. A second opinion…
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