Business Details
23 Years
experience
Your Trusted Mortgage Partner in Flagler Beach, FL
At American Home Mortgage Group, we have been dedicated to providing exceptional mortgage services since 2003. Our team of seasoned professionals specializes in residential lending, offering tailored solutions to meet the unique needs of each client. With access to a comprehensive range of mortgage sources, we focus on securing the best rates, terms, and costs for our clients. Throughout the lending process, we prioritize transparency, providing regular updates and progress reports to ensure clarity.Our commitment to quality customer service is reflected in our personalized approach, whether you're purchasing a home, refinancing, or exploring specialized loan programs. We pride ourselves on our deep industry knowledge, dedication to innovation, and unwavering focus on client satisfaction.
Services
Construction Loans
Conventional Loans
Down Payment Assistance
DSCR Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Non-QM Loans
Bank Statement Loans
Details
- Year established: 2003
Highlights and features
- We have over 20 years of experience in residential lending.
- Our team tailors mortgage solutions to meet individual needs.
- We offer a wide range of loan programs including FHA, VA, and USDA loans.
- We provide regular loan updates and progress reports for transparency.
- Our team is available for personalized consultations.
What people say
Knowledgeable and patient
Amazing through the entire loan process
Seamless and stress-free
Top notch
Highly recommend
Services
Construction Loans
Construction loans provide tailored financing for building or renovating residential properties. Funds are disbursed in stages as projects progress, with interest-only payments during construction. These loans convert to permanent mortgages upon completion, offering flexibility for new builds or major renovations.
FHA Loans
FHA loans offer accessible homeownership options with low down payments and flexible credit requirements. Designed for first-time buyers and those with moderate incomes, these government-insured loans provide competitive rates and terms to support affordable home purchases.
VA Loans
VA loans provide exclusive benefits for veterans and active-duty service members, including zero down payments and reduced closing costs. Backed by the U.S. Department of Veterans Affairs, these loans ensure favorable terms and support military families in achieving homeownership.
Down Payment Assistance
Our down payment assistance programs help bridge financial gaps through grants, low-interest loans, and deferred payment options. These solutions cater to first-time buyers and those needing extra support, making homeownership more accessible and affordable.
DSCR Loans
DSCR loans evaluate property cash flow rather than personal income, ideal for real estate investors. These non-QM loans provide flexible financing for income-producing properties, ensuring tailored solutions for commercial or investment property acquisitions.
People
Scott Mulligan
President/Owner
Scott Mulligan leads American Home Mortgage Group with over 20 years of mortgage industry experience. He specializes in personalized loan solutions and has helped countless clients achieve homeownership through expert guidance and dedicated service.
Brandon Veleski
Senior Loan Officer
Brandon Veleski brings extensive expertise in residential lending, focusing on tailored mortgage solutions. His commitment to client satisfaction and responsive communication ensures a seamless experience for homebuyers and refinancers.
Dawn Paape
Senior Mortgage Originator
Dawn Paape specializes in mortgage origination with a focus on client education and support. Her dedication to understanding client needs ensures personalized service and successful loan outcomes.
Kristen Buccini
Senior Loan Officer
Kristen Buccini offers personalized mortgage solutions with a focus on transparency and efficiency. Her expertise in loan processing and client communication ensures a smooth journey from application to closing.
Marc Cassel
Senior Mortgage Originator
Marc Cassel provides tailored mortgage services with a focus on client needs. His experience in loan origination and dedication to customer service ensure a supportive and informed homebuying experience.
Questions
What is the difference between pre-qualification and pre-approval?
Pre-qualification is an initial assessment based on self-reported financial information. Pre-approval involves a thorough review of credit, income, and assets, providing a stronger indication of loan eligibility.
What are the benefits of a DSCR loan?
DSCR loans evaluate property income instead of personal income, making them ideal for investors. They offer flexible terms and support financing for income-producing properties without traditional income verification.
How can down payment assistance programs help me?
These programs provide grants, low-interest loans, or deferred payments to reduce upfront costs. They make homeownership more accessible by bridging financial gaps for eligible buyers.
What is a VA loan?
VA loans are government-backed mortgages for veterans and service members, offering zero down payments, competitive rates, and reduced closing costs to support affordable homeownership.
What documents are needed for an FHA loan?
FHA loans require proof of income, employment history, credit documentation, and property details. Specific requirements include tax returns, pay stubs, and bank statements to verify financial stability.
