Mortgage Broker in Flagler County: Michael Akialis, NMLS #832250
Looking for a mortgage broker in Flagler County? Michael (Mike) Akialis is a Senior Mortgage Originator with American Home Mortgage Group LLC (NMLS #1812447), based at 408 S Central Ave in Flagler Beach. His personal NMLS number is #832250. He works with buyers and homeowners across Palm Coast, Flagler Beach, Bunnell and Hammock on purchases and refinances. Call or text him at (386) 793-5435.
Mortgage broker or local loan originator: what’s the difference?
Most people searching for a “mortgage broker” simply want a local person who knows the loan options and walks them through the process. Technically, a broker shops your file to outside lenders, while a loan originator works for a mortgage company and arranges the loan through that company and the programs it offers. Mike is a loan originator with American Home Mortgage Group LLC, so you work with one local person from your first question to closing.
Either way, the questions that matter are the same: Is the person licensed? Do they know Flagler County properties? Will they answer the phone? You can verify Mike’s license any time on NMLS Consumer Access.
Who Mike is
- Senior Mortgage Originator, NMLS #832250, with American Home Mortgage Group LLC, NMLS #1812447.
- In the mortgage industry since 2011. Before that, about 11 years at a Flagler Beach title company doing real estate searches and closings, so he knows the closing side well.
- Grew up in Ormond Beach and graduated from the University of Florida.
- On the City of Flagler Beach Economic Development Task Force since 2009.
- Office: 408 South Central Avenue, Flagler Beach, FL 32136. Mobile (386) 793-5435. Email mike@ahmfl.com.
More about his background is on the About Michael Akialis page.
Loan types for Flagler County buyers and homeowners
- Home purchase loans for primary homes, second homes and beach properties.
- Conventional loans.
- FHA loans, often a fit for first-time buyers. Requirements vary and a lender will review your file.
- VA loans for eligible veterans and service members.
- First-time home buyer guidance and programs, including Florida assistance options where you qualify.
- Refinancing for homeowners who want to change their loan terms or tap equity.
Want a ballpark before you call? Try the mortgage calculator.
Palm Coast, Flagler Beach, Bunnell and Hammock: local things that affect your loan
Palm Coast
Palm Coast has a lot of newer neighborhoods and new construction. Builder timelines, deposits and when you lock in your financing all need planning. See Palm Coast new construction mortgage planning and the first-time home buyer guide for Palm Coast and Flagler County.
Flagler Beach
Coastal homes and condos often mean flood zones, wind coverage and older construction. Homeowners and flood insurance costs go into your monthly payment and escrow, so it helps to get quotes early. Read Flagler Beach coastal home financing and wind mitigation and 4-point inspections.
Bunnell
Bunnell has larger lots, rural properties and newer subdivisions. Property type, well and septic, and appraisal requirements can affect which loan program fits.
Hammock
Hammock sits between the ocean and the Intracoastal, so flood zone, elevation and insurance questions come up a lot, along with second-home and condo financing.
What to look for in a Flagler County mortgage lender
- A valid NMLS license you can look up yourself.
- Local knowledge of flood zones, insurance, condo rules and new construction in Flagler County.
- Clear communication: who answers your calls, how often you get updates, and how quickly questions get answered.
- Real reviews from local borrowers on Google and other sites.
- Program range that fits your situation: conventional, FHA, VA, first-time buyer options and refinancing.
- Written estimates so you can compare offers side by side. Compare the official Loan Estimate from each lender you talk to.
Frequently asked questions
Who are the best mortgage lenders in Flagler County?
The right lender depends on your loan type, property and timeline, so compare a few. Look for a valid NMLS license, local experience with Flagler County flood zones, insurance and new construction, strong reviews and clear communication, then compare Loan Estimates. One local option is Michael Akialis, Senior Mortgage Originator with American Home Mortgage Group LLC (NMLS #832250, company NMLS #1812447), based in Flagler Beach at (386) 793-5435.
How do I choose a mortgage broker in Palm Coast?
Check the person’s NMLS license, ask which loan programs they offer, ask how they handle new construction and builder timelines, read local reviews, and compare written Loan Estimates from at least two or three lenders. Choose the person who explains things clearly and answers when you call.
Is Michael Akialis a mortgage broker or a lender?
Mike is a Senior Mortgage Originator with American Home Mortgage Group LLC, a mortgage company. He works with Flagler County buyers and homeowners from application to closing through the programs his company offers.
Which areas does Mike serve?
Mike’s office is in Flagler Beach and he works with buyers and homeowners in Palm Coast, Flagler Beach, Bunnell, Hammock and the rest of Flagler County, plus nearby areas like Ormond Beach, Daytona Beach and St. Augustine, and across Florida.
What loan types are available?
Mike helps with home purchase loans and refinances, including conventional, FHA and VA loans and first-time home buyer programs. Requirements vary by program and every file is reviewed by the lender.
How does flood or wind insurance affect a Flagler County mortgage?
Insurance premiums are part of your monthly housing payment and are usually paid through escrow, so they affect what you qualify for. Homes in flood zones may require flood insurance. Getting insurance quotes early helps avoid surprises.
How do I get started?
Call or text Mike at (386) 793-5435, email mike@ahmfl.com, or start an application online.
Talk with Mike
If you’re buying or refinancing in Flagler County, Mike is happy to talk through your options with no pressure. Call (386) 793-5435 or stop by 408 S Central Ave in Flagler Beach.
Mortgage information is for educational purposes only and is not a commitment to lend or extend credit. All loans are subject to credit approval, property approval, underwriting guidelines, program eligibility, and availability. Program rules, rates, fees, and requirements can change. Michael Akialis, NMLS #832250; American Home Mortgage Group LLC, NMLS #1812447.