Buying a home in Florida? Get pre-approved for FREE in minutes.

Get Pre-Approved

Best Mortgage Broker in St. Augustine Beach

Looking for the best mortgage broker in St. Augustine Beach? The right broker compares loan options from multiple wholesale lenders, knows the local market, and keeps your closing on schedule. Sam Gorniak (NMLS #1954721) of Atlantic Trust Mortgage (NMLS #239592) helps St. Augustine Beach buyers and homeowners purchase and refinance with clear numbers and fast communication.

Best Mortgage Broker in St. Augustine Beach, FL: Quick Answer

When people ask for the best mortgage broker in St. Augustine Beach, the things that matter most are a licensed loan officer you can reach directly, access to multiple wholesale lenders instead of one bank’s products, experience with the loan type you need, and clear communication with your Realtor and title company. Sam Gorniak of Atlantic Trust Mortgage checks each of those boxes for St. Augustine Beach homebuyers and homeowners.

  • Licensed in Florida: Atlantic Trust Mortgage, NMLS #239592; loan officer Saverio (Sam) Gorniak, NMLS #1954721.
  • Broker, not a bank: Sam shops multiple wholesale lenders to compare loan options for each borrower.
  • Loan programs: VA, FHA, USDA, conventional, jumbo, DSCR and bank statement loans, VA IRRRL and cash-out refinances, and the Florida Hometown Heroes program.
  • Veteran-led: Sam is a U.S. Navy veteran (Chief Petty Officer) who works with military families near NAS Jacksonville, NS Mayport, Kings Bay and Camp Blanding.
  • Direct access: you talk to Sam himself, not a call center.

Contact: call (904) 687-9274 or email Sam@ATMFL.com. Equal Housing Opportunity. All loans subject to credit and underwriting approval.

Apply Online or Get Pre-Approved   Call Sam: (904) 687-9274

Home Loans for St. Augustine Beach Buyers

St. Augustine Beach buyers often purchase condos, beach cottages, and second homes, where condo approvals, flood insurance, and short-term rental rules can change which loan program works.

Loan Options for St. Augustine Beach

  • Conventional loans for primary homes, second homes, and investment properties
  • FHA loans with flexible credit guidelines for first-time and repeat buyers
  • VA loans for active-duty service members, veterans, and eligible surviving spouses
  • USDA loans for eligible properties in qualifying areas
  • Jumbo loans for higher-priced homes
  • DSCR loans for real estate investors who qualify on rental income
  • Refinancing, including rate-and-term and cash-out options
  • Florida Hometown Heroes and other Florida Housing down payment assistance programs, when funding is available

How to Choose the Best Mortgage Broker in St. Augustine Beach

  1. Check the license. Look up the loan officer and company on NMLS Consumer Access before you apply.
  2. Ask how many lenders they shop. A broker with access to several wholesale lenders can compare pricing and programs for your situation.
  3. Look for local knowledge. St. Johns County details like HOA and CDD fees, flood zones, condo approvals, and builder incentives all affect your loan.
  4. Compare Loan Estimates. Ask for an official Loan Estimate and compare the interest rate, APR, points, and lender fees side by side.
  5. Expect fast answers. Your agent and the seller need quick updates. Ask how the broker communicates during the process.

Why St. Augustine Beach Buyers Work With Sam Gorniak

  • Independent mortgage broker with access to multiple wholesale lenders, not a single bank’s products
  • U.S. Navy Chief Petty Officer veteran who understands VA loans and military moves
  • Based in Northeast Florida and experienced with St. Johns County transactions
  • Straight answers on payment, cash to close, and timeline before you make an offer

St. Augustine Beach Mortgage FAQ

Do I have to use the builder’s lender on new construction?
No. Builders often offer incentives through their preferred lender, but you are free to choose your own. Compare the builder’s offer with an outside Loan Estimate to see the full cost.

How fast can I get pre-approved?
Many buyers can be pre-approved within a day once income, asset, and credit documents are in hand.

Is a mortgage broker better than a bank?
A bank offers its own loans. A broker compares options from several lenders, which can help you find the program and pricing that fit you best. Read more: mortgage broker vs. bank in Florida.

Will I need flood insurance?
If the home is in a FEMA Special Flood Hazard Area and you use a federally backed mortgage, flood insurance is required. We help you get quotes early so there are no surprises.

Nearby: best mortgage broker in St. Johns, best mortgage broker in Palencia, best mortgage broker in World Golf Village, best mortgage broker in SilverLeaf, best mortgage broker in Shearwater.

Get Started in St. Augustine Beach

Apply online or call Sam Gorniak at (904) 687-9274. Use our Florida mortgage calculator to estimate your payment first.

Saverio (Sam) Gorniak, NMLS #1954721. Atlantic Trust Mortgage, NMLS #239592. Equal Housing Opportunity. This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and property eligibility. Programs and terms may change without notice.