As a mortgage broker, we know how to properly package and "shop" a loan application to different lenders in order to get the best rate, terms and underwriting for each applicant's situation. We are also able to research products from various lenders and find the one that is best for you.
By comparison, a bank has a much more limited selection of products and tighter regulations, which makes the process much more difficult for anyone who does not fit traditional guidelines, such as self-employed or retired individuals. Brokers are able to find products that are not always available to the consumers directly and very often find products with lower fees and rates.
A broker such as Atlantic Coast Home Loans can also assist you by not only searching for the best rate, terms and underwriting, but by saving a significant amount of your time in the mortgage comparison process. One call provides you with direct access to a variety of competitive products which are researched at no cost to you.

Josh Simmons / Managing Member

I have been in the mortgage/finance/banking industry for over ten years. Providing smart financial options is a way I work to help my customers manage their money with confidence. As the market is constantly evolving and changing, I make sure that we find you the most competitive program and rate. In my spare time I coach a local little league football team and spend time with my family.

Toly Sennikov / Managing Member

I have an extensive background in business and finance. For the past six years, I have been providing customers with residential and commercial mortgage related solutions, including credit counseling and creative financing. I make sure that once you have submitted your loan application, everything is explained and all the details of the loan transaction are disclosed so that my customers know exactly what it is they are getting.

Bob Bechtold / Florida Branch Manager

I have been helping clients in Florida with their residential mortgage needs for over five years. I can help guide you through the loan process and answer any questions you may have. I can also assist clients in finding the right solution for commercial loans in Florida or out-of-state. My specialty is investment properties and hard to finance properties such as mobile home parks, marinas, golf courses, etc...

Corey Camps / Mortgage Specialist

Born and raised in Gainesville, I am from our hometown and a person that you can fully trust and depend on for fairness and quality. I realize that finding the right loan can be a difficult task, that is why I will guide my customers through the process, step by step. You can be fully assured that I will work for you to get you the best mortgage product or loan that you qualify for.

Allyson Knopf / Mortgage Specialist

I have been in the mortgage industry since 1998. I hold extensive knowledge of various residential programs. On a daily basis, I check rates, programs, and lenders to make sure that we can offer the most competitive, low cost solution for all your mortgage needs. In my free time I enjoy helping my customers with any financial needs that they may have, even if they are outside the mortgage market.