Scott Mulligan
President/Owner
NMLS #349619
Born in New Jersey, my family and I moved to Flagler County when I was 5 years old. I grew up in Flagler Beach and absolutely loved the beach views, golden sand and small-town feel. I just knew this is where I wanted to spend my life. I graduated from Flagler Palm Coast High School in 1993. After high school, I enjoyed my life fishing and traveling until I met my beautiful wife, Ketrin and married in 2006. In between fishing, traveling and working I felt the need to help people and teach them on how they can achieve one of the greatest accomplishments in life…becoming a homeowner. So I went on to open up American Home Mortgage in 2003 and have been passionate ever since about helping others learn about mortgages and making their dreams come true. Although, when I’m not helping customers become homeowners or helping them refinance to save them money, I spend my time with my wife and two boys—Mason and Jaxson! I look forward to helping you with all your mortgage needs, so please do not hesitate to call, text or email.
What is a Limited Cash-Out Refinance?
Nov 11, 2026
Learn how a limited cash-out refinance works, including cash limits, eligibility, costs, and when it may fit mortgage goals.
How Long Does It Take to Sell a Home? A Practical Timeline
Nov 04, 2026
Selling a home takes preparation, market time, and closing. Learn the timeline factors that can speed up or slow down
VA Non-Allowable Fees: What Veterans Should Know
Oct 28, 2026
Learn which VA loan fees veterans cannot be charged, how the 1% rule works, and where closing cost savings can add up.
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Whether you're buying your first home, refinancing, or upgrading, I’m here to make the mortgage process smooth and stress-free. Let’s take the next step together — fast approvals, personalized service, and trusted guidance every step of the way.
