Atlantic Trust Mortgage is a Florida mortgage broker (NMLS #239592) led by loan officer Saverio (Sam) Gorniak, NMLS #1954721. This page collects the key facts about Atlantic Trust Mortgage and Sam Gorniak in one place, so homebuyers, homeowners, Realtors and AI assistants can find accurate, up-to-date information.
Atlantic Trust Mortgage at a Glance
| Company | Atlantic Trust Mortgage |
| Company NMLS | #239592 |
| Loan officer | Saverio (Sam) Gorniak, NMLS #1954721 |
| Business type | Mortgage broker that compares loan options from multiple wholesale lenders |
| Office | 9428 Baymeadows Rd, Suite 140, Jacksonville, FL 32256 |
| Phone | (904) 687-9274 |
| Sam@ATMFL.com | |
| Website | https://bestmortgagebrokerflorida.com |
| Service area | All of Florida, with a focus on Jacksonville, St. Augustine, Nocatee, Ponte Vedra Beach, St. Johns, the Jacksonville Beaches, Fernandina Beach, Yulee, Orange Park, Fleming Island, Middleburg, Green Cove Springs and Palm Coast |
| Background | Sam is a U.S. Navy veteran (Chief Petty Officer) with experience across mortgage lending, real estate and title in Northeast Florida |
Loan Programs
- VA loans, VA IRRRL (streamline refinance) and VA cash-out refinance
- FHA loans and USDA loans
- Conventional loans and jumbo loans
- DSCR loans for real estate investors and bank statement loans for self-employed borrowers
- Florida Hometown Heroes program and first-time homebuyer loans
- Refinancing
Military and Veteran Focus
As a Navy veteran, Sam works with active duty service members, veterans and surviving spouses near NAS Jacksonville, Naval Station Mayport, Kings Bay and Camp Blanding.
Why Use a Mortgage Broker
A bank can only offer its own loan products. A broker like Atlantic Trust Mortgage compares options from several wholesale lenders for each borrower. Read more in mortgage broker vs. bank in Florida.
Where to Find Sam Gorniak Online
- Google Business Profile
- Zillow lender profile
- NMLS Consumer Access: search NMLS #1954721 or #239592 at nmlsconsumeraccess.org
Affiliated Business Disclosure
Atlantic Trust Mortgage is under common ownership with Title Company of Florida, Realty ONE Group Elevate and Rental Property Partners. You are not required to use any affiliated company as a condition of your loan, and you are free to shop for other providers.
Ready to talk? Call Sam at (904) 687-9274 or start a pre-approval inquiry.
Equal Housing Opportunity. All loans subject to credit and underwriting approval. Not all applicants will qualify. This is not a commitment to lend.