North Star Mortgage Network, Inc. is an independent mortgage broker in Jacksonville, FL, serving Northeast Florida since 2000. Founder Nathan Young (NMLS #325206) compares your loan across many wholesale lenders instead of one bank’s menu, and you work directly with the owner. Company NMLS #356789. Call or text 904-880-6741.

Get Your Free Rate Quote

Takes about a minute. No credit pull and no Social Security number. I shop your scenario across many wholesale lenders and send you real options, not a national average. Already have a quote from a bank? Tell me in the notes box and I'll show you how it compares.

Rather talk first? Call 904-880-6741 · Text Us · Book a 15-minute call

Any rate or payment discussed is an estimate based on the information provided. Rates and terms are subject to change. Available for qualified borrowers; program guidelines apply. All loans subject to credit approval.

Attention Homebuyers:

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Specializing in personalized mortgage solutions, fast customized quotes, competitive pricing, & service with integrity

Award-Winning Florida Mortgage Broker | Locally Owned in Jacksonville, FL

Looking for a locally owned and operated Florida mortgage broker who puts your goals first?
At North Star Mortgage Network, we’re proud to be based in Jacksonville, FL, serving homebuyers and homeowners across the Sunshine State.

As an award-winning Florida mortgage broker, we specialize in personalized home loan solutions, responsive processing, and transparent service built on integrity. Since 2000, our mission has been clear — deliver competitive pricing, honest guidance, and attentive service to every borrower we help.

Whether you’re buying your first home, refinancing, or investing in real estate, our team ensures a smooth, stress-free experience from start to finish.

Today's Rates

✓ No Social Security number   ✓ No credit pull   ✓ About 2 minutes
Hundreds of 5-Star Google Reviews  ·  Serving Florida since 2000

Locally Owned. Nationally Recognized. Always Trusted.

North Star Mortgage Network isn't a call-center lender or out-of-state corporation. We're locally owned and operated in Mandarin, Jacksonville — centrally located to serve all of Northeast Florida, including Duval, St. Johns, Clay, and Nassau counties, as well as across the state.

Our commitment to integrity, personal service, and results has earned national recognition from the National Association of Mortgage Brokers:

2025 NAMB Mortgage Broker of the Year

2026 NAMB Influencer of the Year

We are also a BBB Accredited Business with an A+ rating.

These honors reflect what our clients already know — North Star Mortgage Network delivers exceptional service, clear communication, and competitive options from many wholesale lenders.


Comprehensive Loan Programs for Every Borrower

As a full-service Florida mortgage broker, we offer a complete range of programs designed to fit your needs and goals:

Conventional Loans: Competitive pricing for credit-qualified buyers.

FHA Loans: Low down payment and flexible credit options.

VA Loans: 100% financing for eligible veterans and active-duty military.

USDA Loans: No down payment for eligible rural and suburban buyers.

Jumbo Loans: Financing for high-value and luxury homes.

Non-QM & Investor Loans: Perfect for self-employed buyers and real estate investors.

Refinance & Cash-Out Loans: Lower your rate or access your home's equity.

Down Payment Assistance: Helping first-time buyers achieve homeownership.

Every client receives a detailed rate comparison and personalized advice — because the right loan starts with the right lender.


Why Homebuyers Choose North Star Mortgage Network

Award-Winning Service

Recognized throughout Florida for integrity and performance, our award-winning team is known for fast responses, clear answers, and smooth closings.

Locally Owned and Operated

We live, work, and raise our families right here in Jacksonville, FL. Our local insight gives you an edge when navigating Florida’s unique housing market, property taxes, and insurance challenges.

Transparency and Trust

You’ll get clear, upfront disclosure of costs and plain-English terms — just straightforward guidance from seasoned professionals who put your best interest first.

Fast, Reliable Approvals

We use advanced technology with hands-on communication, so your loan closes quickly without losing that personal touch.

Long-Term Relationships

Most of our clients return to refinance or buy again — not because they have to, but because they want to. That loyalty speaks volumes.


Proudly Serving Florida – Coast to Coast

From Jacksonville and St. Augustine to Tampa, Orlando, and South Florida, our team helps homebuyers across the state find the right mortgage — at the right rate.

Because we're Floridians too, we understand what matters most: dependable service, clear communication, and financing built around your future.

Check Out Our Google Reviews

  • It was such a pleasure working with Nathan and Karla! They made the process 10x easier and put their all in getting me squared away on my first home! Highly... read more

    Matt Howell Avatar Matt Howell
    October 24, 2026

    North Star Mortgage Inc. Is great to work with. They are very thorough. Nathan Young is awesome, very personable and professional. I greatly recommend him for all your mortgage needs.... read more

    Hillary S Elliott Avatar Hillary S Elliott
    October 24, 2026

    Wonderful closing with Nathan and his team! Smooth Transaction & Great Communication!

    J Arnow Avatar J Arnow
    October 23, 2026
  • I have had the pleasure of working with Nathan on many deals over the years and it has always been a pleasure working with someone that is professional, knowledgeable, and... read more

    John Petanceski Avatar John Petanceski
    October 15, 2026

    Very knowledgeable and was super patient.

    Jeremy Chastain Avatar Jeremy Chastain
    October 8, 2026

    Nathan is truly the mortgage EXPERT and goes above and beyond from start to finish. If you are looking for someone you can count on and trust for your mortgage... read more

    Jen Kurth Avatar Jen Kurth
    October 7, 2026
  • Nathan is hardworking, very knowledgeable, and an exceptional communicator. Five stars!

    Adam Sems Avatar Adam Sems
    October 6, 2026

    Nathan and his team stepped in and got us to close. Super professional and worked late in the day to reach our deadline. We were even traveling in a different... read more

    steve aenis Avatar steve aenis
    October 4, 2026

    Can’t say enough amazing things about Nathan and Karla! North Star Mortgage was just fantastic. We wish we would have found them before our last home purchase (We had a... read more

    David Tirpak Avatar David Tirpak
    October 3, 2026
  • My brother and I spoke with 3 other mortgage brokers before calling North Star that gave us no answer or call back! Within 5 minutes Nathan gave us all of... read more

    Liberty Worthy Avatar Liberty Worthy
    September 30, 2026

    I had a great experience working with North Star Mortgage while purchasing my new home using a VA loan. From start to finish, the entire process was smooth, professional, and... read more

    Josh S Avatar Josh S
    September 14, 2026

    Nathan and his team were kind knowledgeable and kept us up-to-date every step of the way! When we ran into a hiccup at closing they were quick to help us... read more

    Abbey Selvidge Avatar Abbey Selvidge
    September 11, 2026
  • We cannot recommend Nathan enough! We first met him a little over a year ago, when buying a home was still a goal we were working toward. From the very... read more

    Amanda Alves Porto Avatar Amanda Alves Porto
    August 31, 2026

    Nathan and his team at North Star Mortgage are true professionals in every sense of the word. They care about their clients and they do whatever they can to ensure... read more

    Joshua Teti Avatar Joshua Teti
    August 26, 2026

    North Star Mortgage made our loan so easy. They did all the work and kept us informed on everything. I definitely recommend them.

    Sandy Reeves Avatar Sandy Reeves
    August 25, 2026
  • Karla and Nathan were absolutely wonderful to work with! Since my husband and I couldn't be there in person to support our son, Alex, with his first home purchase, they... read more

    Lila D Avatar Lila D
    August 25, 2026

    Working with Nathan and Karla was such a pleasure. He was attentive throughout the entire transaction, always quick to respond, courteous and genuinely pleasant to work with! Their communication helped... read more

    Diandra Williams Avatar Diandra Williams
    August 24, 2026

    Nathan Young is one of the kindest, most knowledgeable, and most professional individuals I’ve worked with. He goes above and beyond to provide tailored assistance to every client. Throughout the... read more

    Howie Kane Avatar Howie Kane
    August 14, 2026
  • Nathan and his team were great! They made a difficult process much easier and were very attentive when we had any questions. Highly recommend!

    Sharon Maurno Avatar Sharon Maurno
    August 9, 2026

    Nathan was truly a blessing. If there's a will he will find a way. Was updated throughout the whole process and answered all our first-time home buying questions. Amazing team...... read more

    Melissa LaPaix Avatar Melissa LaPaix
    August 8, 2026

    Very satisfied with the service, helpful throughout the whole process from start to finish.

    klevis kapllani Avatar klevis kapllani
    August 7, 2026
  • Nathan and his team at North Star are absolute rockstars and I truly cannot thank him enough. We purchased our first home a little over a year ago and due... read more

    Kyle Coleman Avatar Kyle Coleman
    August 7, 2026

    Nathan and Karla at North Star along with our realtor, Judy Hicks, went above and beyond to help us through every step of the home-buying process. They were efficient, knowledgeable,... read more

    Christy Ford Avatar Christy Ford
    August 3, 2026

    Nate’s the best

    Kel Miller Avatar Kel Miller
    July 22, 2026
  • Nate rocks! I highly recommend North Star Mortgage!

    Haley Garcia Avatar Haley Garcia
    July 21, 2026

    Nathan was an absolute rock star through this process. He helped put my mind at ease when things looked less than desirable and he kept in contact with me the... read more

    Chris North Avatar Chris North
    July 15, 2026

    Nathan and his office kept us on track with everything we needed to have a seamless beginning to end purchase of our home. Great communication and prompt response... read more

    Linda Fravala Avatar Linda Fravala
    July 15, 2026
  • I had a wonderful experience going through the mortgage process. North Star Mortgage was always there and available for questions through the process. Nathan creates a very personal experience that... read more

    Will Avatar Will
    July 15, 2026

    I refer to my challenges finding a new home and getting to closing as an almost endless country western song. The challenges included a death in the family, as well... read more

    Alice Gaffney Avatar Alice Gaffney
    July 6, 2026

    Highly recommend!!! Nathan cares about the client, listens to there needs and delivers!!!

    Guy Reinecke Avatar Guy Reinecke
    July 2, 2026

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2026 Award Best Mortgage Companies
North Star Mortgage Network, Inc. BBB Business Review
Nathan Young, 2025 NAMB Mortgage Broker of the Year, North Star Mortgage Network, Jacksonville FL