Mettle Mortgage

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Whether you’re just getting started, or ready to close, we’ll support you every step of the way.

One of our licensed home loan experts will call you shortly to walk through the next steps.

If you’d rather not wait, you can call us at (904) 687-9274

Feel at Home with a Lender you Trust

"That Mortgage Guy"

Sam Gorniak

Mettle Mortgage’s Focus is to help you obtain a mortgage or refinance your current mortgage, so you can become
the Homeowner you Desire and start building wealth through real estate….Learn the process and how to apply.

Fueled by Mission Excellence, I am the Mortgage Broker of Mettle Mortgage who enjoys helping others translate their real estate visions into tangible, sustainable realities. As a Mortgage Broker and prior Top 3% of all Realtors in FL, I hold a longstanding history specializing in C-level business relations along with positioning hundreds of clients for success as they take on the competitive FL market. Even more, love proving that anyone can thrive in this landscape with the right guidance, resources, and splashes of encouraging motivation. 

Prior to Mortgage Lending, I began my career in the United States Navy and attained the Rank of Senior Chief (E-8 out of a possible E-9). From there, I earned an MBA with an emphasis in Project Management, attended Law School for a Short time and became Project Management, CAPA, and Six Sigma certified while concurrently holding managerial roles in the manufacturing sector. But with my desire to interact with others on a more personal level, I tapped into real estate in 2018. Today, I’ve helped countless customers attain real estate and mortgage lending success while ensuring they gain the most memorable experiences possible along the way. 

Where passion, results, and integrity collide. Ultimately, nothing makes me happier than putting fellow Floridians in their Dream Homes (average 22 days) and attaining top dollar for every seller listing. I approach every transaction with respect and go beyond the traditional job descriptions to ensure my customers receive the opulent service they deserve. This foundation, along with my native FL knowledge and Military Values, is what can give you the assurance that your full expectations will be exceeded as you venture from initial consultation to finally turning your keys. 


Our Mortgage Loan Process Puts You In Control

Convenient online access makes it easy to achieve your financial and homeownership goals


Best of the Best! Sam has been a shining star in this process. He has been responsive to any question or need I had. He would go out of this way to get answers when I couldn’t connect with others. Doing a sale and purchase at the same time got confusing and Sam was so helpful in keeping this old lady straight. by Patricia B

A Very Smooth Buying Experience!!! Sam committed to closing our deal on a specific date and delivered. We were relocating from NY to FLA, there were many moving pieces and a lot of pressure/anxiety. Sam kept us on track and delivered on time. We could not have been happier. By Steve D

I cant express the gratitude that I have towards Sam Gorniak and his team during the whole home purchase experience. Sam’s experience and dedication was above and beyond what I was expecting and made the whole process actually enjoyable. The whole home purchasing process can be overwhelming and frustrating at times but when you have someone in your corner who feels like your friend and is there for you every step of the way it makes a memorable experience. CME Lending Group LLC and Sam Gorniak are the best of the best hands down! by Matt M

Sam was a sweetheart from the beginning! He appears to be highly certified and educated with the lending system. I felt like he held my hands, feet and body for my whole journey of the mortgage. Nothing was too hard for Sam to accomplish. Sam made me feel comfortable and was always there when I needed him. You are family now Sam‼️ I have a group of individuals who are ready to purchase, and you better believe that Sam is the man for the plan. Thank you Sam. You are beyond amazing. Number 1 Man with the Plan! by Danielle G

I can’t say enough about Sam and CME lending! We reached out to do a refinance and unlike a few other companies Sam was truely interested in helping us find the best rate possible and made us feel like his number 1 priority through the whole process! Not only did Sam and this team deliver on everything they promised but they also made us feel like family. Sam made the process so easy and was there for us any time we had a question. It couldn’t have gone any smoother and I couldn’t be happier! They where great to work with and I will definitely recommend them to everyone I know. Because of their help and knowledge of the business we saved alot of money on our monthly mortgage and had a wonder experience! by Brittany M

Comparing Mortgage Lenders in Florida?
If so, The Mortgage Exchange Focuses On A Better Lending Experience

Here are a few things that people say that set Sam apart from the competition”

  • “Sam’s rates and fee’s were lower than the 2 other lenders that I contacted”
  • “Sam gave me his personal cell number and I called him several times after 7pm when I had questions”
  • “Sam knowledge of the real estate and lending market was hands down better than everyone we contacted”
  • ” Sam shopped the rates when I was on the phone and he made is simpler than booking a hotel”
  • “Sam was ready to close my loan 10 days in advance”

When you work with Sam, he promises to help you…

  • Save time worrying about your purchase or sale so you can keep enjoying your life
  • Avoid costly mistakes that can pop up with difficult transactions
  • Keep more money in your pocket
  • … and more.
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