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Get to know your loan officer

Jay E. Young

[email protected]
T: 352-350-2902
NMLS # 258613

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Jay Young

About Jay

Born and raised in Kansas City, Missouri (with a short time in Oklahoma City that gave him his slight southern accent), Jay built a strong foundation in business through studies in Management, Marketing, Finance, and Entrepreneurship. He has always been driven by a passion for helping others make informed financial decisions and takes pride in guiding members with clarity and confidence.

Jay has built a rewarding career in lending and finance rooted in trust, knowledge, and exceptional service. By combining his strengths in finance, marketing, and member relations, he delivers tailored solutions that align with each member’s personal and financial goals, helping them move forward with confidence and peace of mind.

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Flexible Mortgage Loans 

We offer a variety of mortgage products. Scroll through the list to consider the right solution for your homeownership journey.
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Select 100

With 100% financing and $0 down, your dream home is closer than you think. Skip the big upfront costs and start your homebuying journey with confidence. 
Select 100
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Fixed-Rate Mortgage

Financing with a fixed-rate mortgage provides you with the stability of always knowing what your principal and interest payments will be each month.
Fixed Rate Mortgage
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Adjustable-Rate Mortgage

An adjustable-rate mortgage saves borrowers money upfront with lower interest rates and a lower payment for an initial period, and adjusts after that.
Adjustable Rate Mortgage
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Construction-to-Permanent

Enjoy the convenience of one loan, one set of closing costs and one closing date with a construction-to-permanent loan.
Construction
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Lot Loan

Secure your perfect piece of land with a lot loan. You'll make affordable payments and build when you're ready.
Lot Loan
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Jumbo Mortgage

When buying a more expensive home, a jumbo loan may be the option you need. 
Jumbo Mortgage
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First-time Homebuyer

A fixed-rate mortgage with down payment options as low as 3% of the purchase price, making it easier to buy the home you want.
First-Time Homebuyer
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Florida Hometown Heroes

Homeownership opportunities for eligible full-time frontline or public service workers employed by Florida-based employers. Discover the benefits today!
Hometown Heroes
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FHA / VA / USDA

Government-insured home loans with more flexible lending standards and lower down payment requirements.
Government Loans
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Renovation Mortgage

Get a mortgage to purchase your new home and receive funds for repairs, renovations or improvements.
Renovation Mortgage

Explore More Mortgage Resources

Find helpful tools and information to guide you through the mortgage process.

Mortgage Checklist

Make sure you're fully prepared. Check out our complete list of the documents and information you'll need to gather for a smooth mortgage loan process.
Mortgage Checklist

Planning for Homeownership

Start planning for your future home today with tips and advice on where to start from our mortgage experts.
Homeownership Planning

How to get a loan

Ready to secure your mortgage? Learn all about the loan process from application to funding in our step-by-step guide.
How to Get a Loan

Mortgage Glossary

Don't quite understand all the terms used during the loan process? Don't worry, we have a mortgage glossary to keep you in the know. 
Mortgage Glossary

Still Have Questions?

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