Nathan Young
I’m Nathan Young, founder and president of North Star Mortgage Network, Inc., an independent mortgage brokerage in Jacksonville, Florida. I’ve been originating mortgages since April 18, 2000, helping buyers, homeowners and investors across Duval, St. Johns, Clay and Nassau counties.
Read my full bio, credentials and awards →
Nathan Young, NMLS #325206 | North Star Mortgage Network, Inc., NMLS #356789 | FL DBPR MB0858506
12058 San Jose Blvd, Suite 404, Jacksonville, FL 32223
904-880-6741 | nathan@nsmn.com
All scenarios are estimates only, subject to credit approval. Program guidelines apply.
Nathan Young | Founder & President of North Star Mortgage Network
Nathan Young | Florida Mortgage Broker | Jacksonville, Florida
Welcome. I'm Nathan Young, a Florida mortgage broker and founder of North Star Mortgage Network, Inc. Since 2000, I have helped homebuyers, homeowners, and real estate investors across Florida secure mortgage financing with clarity, trust, and integrity.
A Career Built on Service
As a Florida mortgage broker, my professional journey began after graduating from Florida State University with a degree in Health and Fitness Administration. While my early career focused on management and customer service, I soon realized my true passion was helping families achieve homeownership.
In April 2000, I founded North Star Mortgage Network, Inc. with a simple goal: to provide Florida borrowers with honest guidance, competitive mortgage options, and personalized service. Over the years, I have helped thousands of families purchase homes, refinance existing mortgages, build investment portfolios, and achieve their financial goals.
Today, North Star Mortgage Network serves clients throughout Florida while maintaining the personal service and accessibility that have been the foundation of our success since day one.
Awards & Recognition
Over the years, I have been honored to receive recognition from respected mortgage and business organizations for my commitment to customer service, mortgage education, and helping Florida families achieve homeownership.
Some of these recognitions include:
• 2025 NAMB Mortgage Broker of the Year
• Five Star Mortgage Professional (2024 & 2025)
• Three Best Rated — Top 3 Jacksonville Mortgage Broker (2023, 2024 & 2025)
Nathan is also a licensed (non-practicing) Florida real estate sales associate (License #SL639409) — he focuses exclusively on mortgages — which deepens his understanding of the homebuying process for the clients and agents he serves.
Featured In
Nathan Young has been quoted and featured by respected national media outlets and industry publications discussing mortgage rates, homeownership, refinancing, home equity lending, and real estate finance.
CBS News MoneyWatch — 3 tips for getting the best HELOC rate this March (March 13, 2025)
CBS News MoneyWatch — Can you negotiate home equity loan closing costs? Experts offer advice
CBS News — Can mortgage rates drop below 6% soon? Experts weigh in
Mortgage Professional America — Why personal touch still wins in the race to automate mortgages
National Association of Mortgage Brokers — named 2025 NAMB Mortgage Broker of the Year
Norada Real Estate Investments — mortgage industry commentary
License verification: Nathan Young, NMLS #325206 | North Star Mortgage Network, Inc., NMLS #356789
These opportunities have allowed me to share insights gained from helping Florida homebuyers, homeowners, and real estate investors since 2000.
Experience Rooted in Integrity
With more than two decades of experience, I have guided borrowers through nearly every type of mortgage scenario. What sets me apart is not simply the numbers—it is the people. Every mortgage represents a family's future, and every client deserves honest answers, clear communication, and guidance they can trust.
Like sailors who once relied on the North Star for direction, I strive to provide steady guidance for Florida homebuyers and homeowners navigating today's mortgage market.
Where I Work in Northeast Florida
Unlike a big bank or a national call center, I work for my clients, not for a corporate lender. As an independent mortgage broker I shop many wholesale lenders to find the loan program that genuinely fits each borrower's situation. That means access to more loan programs than any single bank can offer, and personal service from an experienced local professional.
I serve buyers, homeowners and investors across the four Northeast Florida counties:
- Duval County: Jacksonville, Mandarin, Southside, San Marco, Arlington, Riverside, Atlantic Beach, Neptune Beach, Jacksonville Beach
- St. Johns County: St. Augustine, Ponte Vedra Beach, Nocatee, Fruit Cove, Julington Creek, St. Johns
- Clay County: Orange Park, Fleming Island, Middleburg, Green Cove Springs
- Nassau County: Fernandina Beach, Amelia Island, Yulee, Callahan
All loan scenarios are estimates only, subject to credit approval, and program guidelines apply. Nathan Young NMLS #325206 | North Star Mortgage Network, Inc. NMLS #356789.
Nathan Young
Founder & President
North Star Mortgage Network
NMLS #325206 | Company NMLS #356789
12058 San Jose Blvd, #404
Jacksonville, FL 32223
Office: 904-880-6741
Cell: 904-880-6741 (cell/text)
Why Work With Nathan Young
Hands-On Service
When you call North Star Mortgage Network, you work directly with me. I believe clients deserve personal attention and responsive communication throughout the mortgage process.
Clear Communication
Mortgage financing should not be confusing. My goal is to explain your options in plain language so you can make informed decisions with confidence.
Florida Focus, Local Knowledge
Although we serve borrowers throughout Florida, my deep roots in Jacksonville provide valuable local market knowledge while still offering statewide lending solutions.
Licensed and Verifiable
When you are choosing a mortgage broker, verifying the license is one of the most important steps you can take. Here is everything you need to check mine.
- Name: Nathan H. Young
- Individual NMLS ID: 325206
- Company: North Star Mortgage Network, Inc.
- Company NMLS ID: 356789
- Florida DBPR License: MB0858506
- License Type: Florida Mortgage Broker
- Originating since: April 18, 2000
- Office: 12058 San Jose Blvd, Suite 404, Jacksonville, FL 32223
- Phone: 904-880-6741
- Email: nathan@nsmn.com
You can verify my license at any time through the Nationwide Multistate Licensing System at nmlsconsumeraccess.org — the official federal database for mortgage license verification. Search for Nathan Young or NMLS #325206.
I am also a licensed (non-practicing) Florida real estate sales associate, License #SL639409. I focus exclusively on mortgages, but that background gives me a deeper understanding of the homebuying process for the clients and agents I serve.
Recognized & Respected
As a Five Star Mortgage Professional and recipient of multiple industry recognitions, I am grateful for the trust that clients and referral partners continue to place in me year after year.
Awards & Recognition
- 2025 NAMB Mortgage Broker of the Year — awarded by the National Association of Mortgage Brokers. See the NAMB awards page.
- Five Star Mortgage Professional, 2024 and 2025 — awarded by Five Star Professional in partnership with Florida Monthly Magazine. Fewer than 7% of mortgage professionals in the area receive this honor.
- Three Best Rated, Top 3 Mortgage Brokers in Jacksonville, 2023, 2024 and 2025 — three consecutive years of recognition, evaluated on 50 factors including reputation, history and client satisfaction.
- KEV’s Best, 2024 — selected as one of Jacksonville’s best mortgage professionals.
Hundreds of 5-Star Google Reviews from homebuyers and homeowners across Northeast Florida.
My Philosophy as a Florida Mortgage Broker
A mortgage is more than paperwork—it is one of the most important financial decisions a family will make. My role is to educate, guide, and support borrowers in choosing the mortgage solution that best fits their goals. Whether you are a first-time homebuyer, a move-up buyer, a veteran, an investor, or someone exploring refinancing options, I believe every borrower deserves honest advice and professional guidance.
Helpful Mortgage Resources
Whether you're buying your first home, refinancing your current mortgage, or investing in real estate, these free tools can help you make informed financial decisions.
Mortgage Calculators
https://www.nsmn.com/calculators/
Purchase Assistant
https://www.nsmn.com/purchase-assistant/
Refinance Advisor
https://www.nsmn.com/refinance-advisor/
Today's Mortgage Rates
https://www.nsmn.com/todays-rates/
Cost of Waiting Analysis
https://www.nsmn.com/cost-of-waiting/
Free Mortgage Review
https://www.nsmn.com/get-started/
Home Report
https://www.nsmn.com/home-report/
Let's Navigate This Together
When you choose North Star Mortgage Network, you're not simply choosing a mortgage broker—you're choosing a partner who puts your best interests first.
If you're ready to discuss your mortgage options, compare loan programs, review refinancing opportunities, or simply ask questions, I would be honored to help.
Nathan Young
Founder & President
Phone: 904-880-6741
Personal Website: https://www.nathanyoung.com
NMLS #325206
North Star Mortgage Network, Inc.
Website: https://www.nsmn.com
NMLS #356789
Serving homebuyers, homeowners, and real estate investors throughout Florida since 2000.
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