Mettle Mortgage




Fueled by Mission Excellence, I am the Mortgage Broker of Mettle Mortgage that enjoys helping others translate their real estate visions into tangible, sustainable realities. As a Mortgage Broker and prior Top 3% of all Realtors, I hold a longstanding history specializing in Real Estate and Mortgage transactions that have positioned hundreds of customers to take on the competitive FL market. Even more, I love proving that anyone can thrive in this landscape with the right guidance, resources, and splashes of encouraging motivation. 

Prior to opening Mettle Mortgage, 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 18 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. 

Mobile: 904.687.9274


Tyler P - "Sam Gorniak at Mettle Mortgage was extremely helpful in the purchasing of my dads home. Every issue that would pop up along the process Sam was quick to resolve, insuring his closing date stayed the same! It was a pleasure to work with him through the whole process and we would both highly recommend him and his staff! Sam and his staff are always there to help and support law enforcement and first responders, my dad is very grateful for Sams help and dedication to his clients!"


Erika K - "Working alongside Sam Gorniak at Mettle Mortgage was a pleasure. His exceptional communication skills kept me informed throughout the process. Remarkably, he navigated the loan to close in just 10 days, showcasing his efficiency and commitment. I was particularly impressed by the extremely low fees and fantastic interest rate he secured for my client. Sam's expertise and professionalism make him an invaluable mortgage broker, and I highly recommend his services. Im confident he was a key player in getting this deal to the closing table! A solid five-star experience!"


Alisha B - "I chose to inquire about a mortgage through Sam because of a recommendation from my real estate agent. While she spoke very highly of him, I was very pleasantly surprised by his level of professionalism, dedication, and the breadth of his knowledge of the mortgage business which he was more than willing to share. I always felt as though he had my best interest at heart, and would fully fight for my rights and the best mortgage deal for me as his client. His entire team is professional, hard-working, and consistently clear in their communication. Response time to questions was almost immediate, and I never had a doubt my business mattered, but not above the relationship. I would highly recommend Sam and his team to anyone seeking a mortgage."

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