Today is a very special day in our lives! My husband Julio and I purchased our dream home in Florida. The person most instrumental in this process is Steve Mugar. Thank you just doesn’t seem to be enough at a time like this but it fits. From our first interaction with you over a year ago when we first starting thinking about a move to Florida until today when you made it a reality. There were others along the way that helped in one way or another but you are the star. You were always available by phone or email and made this confusing and overwhelming process seem possible. You took the time to explain every little detail right down to every set of initials and signature. To make all the “technical lingo” translate to easily understandable language is truly a gift that you have mastered. I have never met a more personable, intelligent, friendly or professional business man. You answered every question we had and helped us with referrals to other services. We always felt like we were your only clients and that everything was of upmost importance. I just can’t say enough about the wonderful experience we had buying our home with you and I would be more than happy to refer friends and family that may need your services. Having you by our sides every step of the way meant more to us than you will ever know. We have made a lifelong friend and we are forever grateful for everything you did for us.

I just wanted to send a very special thank you to my sisters-in-laws, Lisa & Bec-better known as Leebec Smoak or Smoakinator! Your referral to Steve Mugar at American Mortgage Loan Services in Florida when we first started on this road to buying our home in Florida was probably the most important piece of the puzzle. Knowing what a great job he did for you guys buying your home was invaluable. The trust and respect that you both have for him made it an easy choice for us. I’ve never met a more personable and at the same time professional individual. We look forward to getting to know him better. We also look forward to spending time with you guys making memories! Thanks for always opening up your home to us when we came to Florida! Love you guys! XOXO

Bonnie and Julio Santiago, NJ/FL

Would you like information about a mortgage in Florida?  Simply fill out the form below and I’ll get right back to you. For quicker responses call 321.723.6206

Steve Mugar at American Mortgage is the only person I truly trusted with my home mortgages over the past 12 years. He stays on top of everything from beginning to end to look out for your best interest. Steve Mugar just helped us refinance this past month to significantly reduce our interest rate and save thousands a year on our mortgage once again. The process leading up to and including the closing was almost effortless and stress free on our part. Thanks again for your hard work Steve!~Rob Reed- Indian Harbor Beach Fl 

Steve Mugar is someone you can always count on when it comes to mortgage lending. I know my clients are truly in good hands with Steve. Absolutely the best! ~Lynda Smith, Realtor-Brevard County Florida

If you want a mortgage in 10 years call me, his son. If you want a mortgage NOW, call my Dad. He’s the BEST! 321-723-6206 ~T. Mugar 

To whom this may concern:

We recently purchased a new house and used Steve Mugar for our mortgage company. Steve has outdone himself again; we never worried about how the loan was going to get done but when.

Steve was extremely friendly and very helpful and his knowledge of the business goes without saying. We were working with another mortgage company who over promised and under delivered when everything fell through. At that time, I knew it was time to call on Steve to get the job done. He was there for us in anyway that he could. He was very easy to communicate with and also willing to help out. We had only two weeks before we had to close when we contacted him and before I knew it he had called with our approval.

We closed on time and received the rate and program he promised and had no worries about anything else; he took care of the rest for us. All we had to do was show up and sign the paperwork and everything else fell into place as promised. He was a delight and a joy to do work with, and with all the horror stories about getting a mortgage, I must say this did not come into the equation with him. My final thoughts are that he went above and beyond to get this loan done and without his help we would have lost our deposit and dream home.


Steve and Sherrie Gamerl
Melbourne, Florida

To All –

Steve Mugar facilitated the purchase of our new residence in Deltona FL.  Steve’s professionalism, knowledge, and courteous service was WAY beyond our expectations, and we could not have asked for a better mortgage package.  I only wish that we had written this letter then.

However, here we are finding the need to refinance, and Steve has now written us a new mortgage re-financing package, once again doing so professionally and expediently.  Due to his diligence, we were locked in at the best rate available.  And his knowledge of the business convinced us to choose a mortgage that not only saved us a lot of money but paid off all of our existing debt.  We have trusted in, and depended on, Steve’s ethical business practices and lending knowledge twice within the past two years, and I would not hesitate to turn to him again, should we need an excellent mortgage lender.  You can simply do no better than to have Steve and Eagle Nationwide Mortgage Company on your team.

With Warmest Regards,
Gary & Jenny Barth
Deltona FL