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The Florida Mortgage Broker Who Actually Fights for You

I'm Saverio (Sam) Gorniak with Atlantic Trust Mortgage — and I help Florida homebuyers get lower rates, faster approvals, and a stress-free loan process without the big-bank runaround.

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Getting a Mortgage in Florida Shouldn’t Feel This Hard…

If you’re like most homebuyers I talk to, you’re overwhelmed, confused, and frustrated.

  • ✔ Banks ghost you.
  • ✔ Online lenders give you generic, copy-paste answers.
  • ✔ Realtors need a pre-approval you can’t get fast enough.
  • ✔ And half the lenders talk to you like you’re supposed to already understand everything.

It’s not your fault.
The mortgage system was built around the lender’s convenience — not yours.

Why I Became a Florida Mortgage Broker

Years before becoming a licensed mortgage professional, I watched friends and family lose homes, get rejected by banks, or overpay on rates without ever being told why.

I realized something important: People don’t need another bank. They need an advocate.

Someone who can shop lenders, negotiate better terms, and guide them step-by-step — without hidden agendas.

That’s why I joined Atlantic Trust Mortgage — because here, I can actually help Florida homebuyers win.

The Breakthrough That Changes Everything

Once I became an independent mortgage broker, I discovered something no traditional bank will admit:

You get lower rates when someone shops lenders for you.

  • ✔ Wholesale lenders compete for your loan.
  • ✔ Competition drives your rates and fees down.
  • ✔ Banks can’t do that. Online lenders won’t.

My clients get:

  • ✔ Lower rates & fewer junk fees
  • ✔ Same-day pre-approvals
  • ✔ Clear answers — not call-center scripts
  • ✔ A real guide, not a loan number in a system

Loan Programs I Use to Help Floridians Win

VA Loans

Zero down. Lower rates. Designed to honor your service.

FHA Loans

Flexible credit + low down payment. Ideal for first-time buyers.

USDA Loans

100% financing available in eligible Florida communities.

Conventional Loans

Strong long-term savings + competitive rates.

Jumbo Loans

Financing for high-value properties across Florida.

First-Time Buyers

Down payment assistance + step-by-step guidance.

Real Clients. Real Stories.

“Sam got us pre-approved in hours, not days. The rate we got beat our bank by almost a full percent.”

– J. Martinez, Jacksonville

“He explained everything in plain English. Best mortgage experience we’ve ever had.”

– S. Thompson, Orlando

“Sam treated us like family. We closed early and with a rate no other lender could match.”

– R. Davis, St. Augustine

Ready to Get a Florida Mortgage Without the Stress?

I’ll shop multiple lenders for you, find the best rate, and walk you through every step — from pre-approval to closing day.

Start Your Pre-Approval

Imagine Closing on Your Florida Home With Confidence

No stress. No surprises. No unanswered questions. Just a clear path, a lower payment, and a mortgage broker who treats your loan like it’s his own.

When you’re ready, I’m here to help.