Business Details
23 Years
experience
Your Trusted Mortgage Partner in Flagler Beach, FL
American Home Mortgage Group has been your trusted mortgage source in Flagler Beach, Florida since 2003. Our team specializes in analyzing individual financial goals to tailor mortgage solutions that meet unique needs. With access to a comprehensive range of mortgage sources, we focus on securing the best rates, terms, and costs for each client. Throughout the lending process, we provide regular updates and progress reports to ensure transparency. Our commitment to quality customer service prioritizes the people we serve, combining industry expertise with personalized support to help clients achieve their homeownership goals. 
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Reverse Mortgages
DSCR Loans
Construction Loans
Non-QM Loans
Bank Statement Loans
Details
- Year established: 2003
Highlights and features
- We offer personalized mortgage solutions tailored to individual financial goals
- Our team provides regular loan updates and progress reports for transparency
- We have access to a wide range of mortgage sources and loan programs
- We specialize in helping first-time homebuyers and those with unique needs
- Our experts have over 20 years of combined experience in residential lending
What people say
Knowledgeable and patient
Responsive and proactive
Seamless and stress-free
Top notch service
Efficient and professional
Services
Conventional Loans
Conventional loans offer fixed or adjustable interest rates for primary residences, second homes, and investment properties. These mortgages require 5-20% down payments with flexible terms from 10 to 40 years. Ideal for borrowers with strong credit seeking predictable payments or adjustable rate options.
FHA Loans
FHA loans provide accessible homeownership opportunities with 3.5% down payments and flexible credit requirements. Backed by the Federal Housing Administration, these mortgages suit first-time buyers and those with limited credit history through competitive rates and lower entry barriers.
VA Loans
VA loans offer zero-down financing and favorable terms for eligible military personnel and veterans. These government-backed mortgages feature competitive rates, no private mortgage insurance requirements, and relaxed credit standards to support service members' homeownership goals.
Construction Loans
Construction loans fund new home builds or major renovations through staged disbursements. Interest-only payments during construction convert to traditional mortgages upon completion. Ideal for custom home projects with progressive funding aligned to construction milestones.
DSCR Loans
DSCR loans evaluate property cash flow instead of personal income for real estate investments. These non-QM mortgages suit investors needing financing for income-producing properties based on debt service coverage ratios rather than traditional income verification.
People
Scott Mulligan
President/Owner
With over 20 years of mortgage industry experience, Scott leads our team in delivering personalized loan solutions. He specializes in guiding clients through complex transactions while maintaining a focus on exceptional customer service.
Brandon Veleski
Senior Loan Officer
Brandon brings extensive lending expertise to help clients navigate mortgage options. He focuses on transparent communication and timely execution for purchase and refinance transactions.
Dawn Paape
Senior Mortgage Originator
Dawn specializes in matching clients with appropriate loan programs. Her experience spans conventional, government-backed, and specialized mortgage products for diverse financial situations.
Kristen Buccini
Senior Loan Officer
Kristen provides expert guidance through the mortgage process. She maintains consistent communication and prioritizes client education to ensure informed decision-making during home financing.
Eric Parent
Senior Loan Originator
Eric assists clients with purchase and refinance transactions. He focuses on explaining mortgage options clearly while maintaining efficient processing timelines for a smooth closing experience.
Questions
What's the difference between mortgage pre-qualification and pre-approval?
Pre-qualification provides an estimate based on self-reported information, while pre-approval involves complete verification of income, assets, and credit history for a more accurate loan assessment.
When should I consider refinancing my mortgage?
Refinance when you can lower your interest rate, reduce loan term, convert adjustable to fixed rates, or consolidate debts. Calculate break-even time by dividing refinance costs by monthly savings.
What documentation is required for mortgage approval?
Typical requirements include income verification (pay stubs, tax returns), asset statements, employment history, credit documentation, and property-specific information for purchase or refinance transactions.
How do mortgage brokers differ from direct lenders?
Brokers access multiple lenders to find competitive terms, while direct lenders only offer their own products. Brokers can shop for specialized programs that match unique borrower circumstances and credit profiles.
What are non-QM mortgage loans?
Non-Qualified Mortgages use alternative verification methods for borrowers who don't meet traditional lending criteria. These include bank statement loans, DSCR loans, and other specialized programs for unique income situations.