NMLS #239174

Scott Goldstein, President and owner of Atlantic Trust Mortgage, is a highly qualified mortgage industry professional with both the knowledge and experience in guiding his customers through the mortgage
process and helping them find the most suitable mortgage program to best fit their financial needs.

Scott has over 15 years of mortgage industry experience and started as a top producing loan officer. He then moved into a sales representative role with a well known national mortgage firm in the Orlando area. In 2003, Scott moved back to his home town of Jacksonville, FL to open Atlantic Trust Mortgage.

Scott's number one priority in his business venture was to open a mortgage company where customers would have confidence in knowing they would receive low mortgage rates and minimal closing costs, as well as having the opportunity to work with an industry professional with exceptional customer service qualities. Because of Scott's well-implemented business plan, Atlantic Trust Mortgage has become a highly respected mortgage company in the Florida market.

Scott is known for going above and beyond the call of duty and for being proactive on a daily basis, which his clients appreciate. His strong work ethic is what separates Scott and Atlantic Trust Mortgage from everyone else.

Scott holds his Mortgage Broker's License, Real Estate Associate License, and is a member of the Florida Association of Mortgage Professionals.  In Scott's free time, he enjoys boating, watching sports and spending time with wife Chelsey, son Ethan and daughters Charlotte and Lucy.


Vice President
NMLS #648822

Wade Swindell: "Your Local, hometown lender"

Wade Swindell has honesty, integrity, availability and a passion for helping others. Wade and his team provide top notch customer service and the highest desire and drive to serve others.  He has been in the mortgage business since 2000. In December of 2017 Wade became co-owner of Atlantic Trust Mortgage.

Wade has lived in Jacksonville since 1995. He loves the southern living, beautiful weather, "small" big-town feel, and living near the beach.

Some of Wade's awards and accomplishments include Top Producer in 2011 and 2012 for EverBank, President's Club, and Top 20 LO Nationwide for Movement Mortgage in 2016 and 2017.

Wade is actively involved with his church, Church of Eleven22, where he attends and serves. He sits on the Board of Jacksonville's local VAREP chapter where they act as advocates for veterans benefits in the real estate community. He has been married for 13 years to the love of his life, Katie, and they have three kids: Mackenzie, Lincoln and Logan. When he is not working, Wade enjoys watching his Jacksonville Jaguars with his wife and kids.


Mortgage Loan Originator
NMLS #1292255

Marty is a Jacksonville native, who spent the majority of his youth out of state. After coming back to Florida, he attended the University of Central Florida and received a bachelor’s degree in Organizational Communications in 2001.

Not long after graduation, he entered the mortgage profession as a loan originator. Now with well over 15 years’ experience in the mortgage industry, he has held multiple different positions, which include being a sales representative for a national mortgage lender, as well as working in internal operations for a prominent banking institution.

Marty joined Atlantic Trust Mortgage in 2015 and his goal is to provide his clients with personalized service and expertise to make their experience with the lending process as seamless as possible.  

Marty is involved with various networking and community events within the Jacksonville area, related to the mortgage and real estate industry. He is an avid sports fan and Jaguars season ticket holder.

DeWayne Cumbo

Mortgage Loan Originator
NMLS #1298445

DeWayne Cumbo is a knowledgeable, charismatic and diligent Mortgage Loan Originator who partners with Borrowers, Realtors and Attorneys to secure mortgage financing through a wide selection of Lenders. DeWayne is a Jacksonville native who has spent nearly two decades working in the lending industry. Having held positions in all facets of the mortgage industry, DeWayne knows what truly moves your mortgage application through the process quickly and efficiently. DeWayne knows what’s at stake and treats his clients with compassion and devotion. His personal touch and knowledge of the business makes one the biggest and most important purchases you may make in your lifetime seemingly effortless.

DeWayne is a fantastic father who loves spending any and all free time with his family. He is the person you call when you need help with a project or a problem and there’s nothing he can’t do. His willingness to help others is infinite and genuine. DeWayne’s other passion is fixing anything that has an engine in it.

Mark Sherman

Mortgage Loan Originator
NMLS #1389284

Mark earned his Mortgage Broker’s license in 1989, during the Savings and Loan Crisis. It was not a great time to enter the world of Mortgage Lending. In 1991, Mark moved to Jacksonville. Northeast Florida was certainly a different lifestyle and environment from South Florida. But it did not take very long to realize that he had made a great choice and that there would be plenty of opportunities here for those who worked hard and were accountable to their customers. It was also a small town in which it did not take long to make friends and advance one’s career. So after a 3 year stint in the building supply industry and working with a Custom Homebuilder for a number of years thereafter, Mark re-entered the Mortgage Industry again in 1996 with Dolphin Home Mortgage in Ponte Vedra Beach.

Soon after, Mark became a top producer for Countrywide, Wells Fargo and a co-founder of Gibraltar Mortgage for the Prudential  Network Realty franchise. By 2005, Mark had his own company Sherman Mortgage Group. After the crash of 2007, Mark worked primarily in the Property and Casualty Insurance business and re-entered the Mortgage Industry in 2015.

I am very fortunate to be a loan originator for Atlantic Trust Mortgage here in NE Florida. Atlantic Trust Mortgage is a Mortgage Broker which affords our customers the best that ALL lenders have to offer. As a Broker, we can shop for the products and pricing that best serves our customers.

Mark was born in French West Africa. He is the son of a retired State Department Diplomat. He speaks fluent Spanish, is a Graduate of Florida State University and is currently training to become an accredited CE Instructor through FloridaRealtors.

Eric hall

Mortgage Loan Originator
NMLS #239215

Eric Hall was born and raised in Miami, Florida. He moved to Jacksonville in 2004 after receiving his bachelor’s degree in Education from Florida A&M University. Eric joined Atlantic Trust Mortgage shortly after and takes pride in making sure his clients receive exceptional care and customer service through the home buying process.

With over 15 years of mortgage experience, Eric's passion is to help others while educating his clients to ensure they are in the best loan program that fits their financial needs.

Eric is involved in many networking and volunteer opportunities in the Jacksonville community. He holds a Florida Mortgage Broker’s License and a Real Estate Sales Associate License, so he is very knowledgeable with the entire mortgage financing process from beginning to end.

Eric enjoys spending any free time with his wife and children. They love vacationing to fun places, going to the beach, and watching football.


Mortgage Loan Originator
NMLS #1115753

As a licensed Mortgage Loan Originator in Northeast Florida, Tim Newman feels he is at his best when advising clients through some of the most difficult and impactful financial decisions of their personal lives.

Acknowledging the goal of homeownership is still a top priority for most Americans, and access to affordable financing is considered a key challenge for new homebuyer. Tim embarks to convert those challenges into exciting opportunities to team-up with the residents and future residents of Jacksonville, FL.

Providing the full-service level that only a mortgage broker can, Atlantic Trust Mortgage is the premier mortgage lender in the Jacksonville area, and Tim Newman is a proud member of the team.

In his spare time, Tim enjoys spending time with his family and 2 pets, playing: golf, tennis, or basketball, cooking, reading, and attending church. He considers himself a “morning-person” and avid sports player, who regularly meets friends at 6AM for a pick-up game of basketball at the local LA Fitness in Atlantic Beach.

Kayla sharp

Mortgage Loan Originator
NMLS #1827988

Kayla is a Jacksonville native. You may have seen her on the sidelines with the Roar of the Jaguars in past seasons. She has a strong background in sales, marketing, and operational management. Her competitive nature and commitment to excellence was demonstrated by developing the best operational staff and game experience for our Jacksonville Sharks, arena football team.

She lives with her family in St. John's County and is involved in multiple charitable organizations that focus on helping families with children with disabilities.

Kayla decided to make a transition in joining our ATM family because of our commitment and focus on putting the customer first. Her love of Real Estate and helping people achieve their goal of homeownership drives her to go the extra mile for her customers.

Christine Hornsby

Mortgage Loan Originator
NMLS #1828177

Christine Hornsby leverages experience gained in the commercial property management industry to provide the highest levels of customer service to her real estate partners & clients alike; as a licensed Mortgage Loan Originator at Atlantic Trust Mortgage.

As a Jacksonville native, Christine is excited to help those in her local community achieve their dream of homeownership!

Whether purchasing your first home, refinancing a home or investing in real estate, Christine will make certain to provide all options to help choose the best solution for your unique situation.

Becca Merryman

Mortgage Loan Originator
NMLS #1496850

After receiving her bachelor’s degree from University of North Florida, Becca started her career at TIAA Bank (formerly EverBank), where she became well versed with the many loan programs available to consumers. Becca knows that aside from educating and advising her clients during the mortgage process, the experience she provides from start to finish is really what sets her apart. Having been in the industry for the past several years, Becca has seen many situations and loves “solving the puzzle” when it comes to providing solutions to her clients. She treats each transaction as if it is her own and takes pride in the relationships she builds with her customers and referral partners.

Becca is excited to be part of the Atlantic Trust Mortgage family where she knows that she can provide fast service, more products, the lowest rates available and work beside some of the experts in our local mortgage market.

Becca grew up near the shores of Saint Augustine Beach and later moved to Jacksonville with her family in 2005. Outside of work, Becca enjoys unwinding and relaxing at the beach and hanging out with her friends and family.

Fred Beranek

Sales Manager, Mortgage Loan Originator
NMLS #1896842

Fred is originally from the Midwest and attended Union College and the University of Nebraska in Lincoln.  However, warmer weather was calling out so he has made Central Florida his home for more than 20 years.

Fred has over 10 years of experience in the mortgage industry.  He has owned and operated a mortgage broker business, and has held multiple positions in the industry, which include being a loan originator, and a sales representative for a national mortgage lender.

Fred joined Atlantic Trust Mortgage in 2019 and he strives everyday to provide his clients with the best and most personalized service and expertise. He prides himself on his honest and diligent work ethic. Fred enjoys spending his free time at the beach or Disney with his wife and daughters. He is an avid golfer and sports fan and is on the board of a children's charity.

Rosemary lorenz

Mortgage Loan Originator
NMLS #965909

Rosemary relocated to Jacksonville from the Baltimore-Washington area in 2008 for a change of lifestyle and love of the beach. She entered the Mortgage Banking arena in1992 and worked in various departments within her company. She has a wealth of knowledge from marketing, origination, and servicing of Mortgage Loans. In 1998 she advanced to the position of Loan Officer. As an originator, she maintained a 98 percent customer satisfaction rating and obtained internal recognition as a Chairman’s Club andPresident’s Club recipient for her years in loan origination.

Rosemary is also licensed as a Realtor and a State Notary in the state of Florida, and worked in the Title side of home purchase transactions. As a result of these positions, she has extensive knowledge from all aspects of the home purchase and Mortgage process, all of which will be a benefit to her clients as they prepare for one of the largest transactions in their life.

Rosemary is known for going above and beyond for her clients in providing excellent customer service. She makes a point of being readily accessible to her clients and appreciates the opportunity to provide information and educate her clients, so they are well informed during the process.

Rosemary enjoys volunteering in her community and working in different arenas such as Junior Achievement in a day, which works with children to educate them in financial matters they will need in their lives. She has been a Court Appointed Special Advocate for Children in Crisis (CASA), as well as an Emergency Medical Technician, both in theState of Maryland.

Rosemary enjoys being active with her daughter Nicole, by volunteering in her school, creating fun activities for her friend group and bonding events for her daughter’s competitive cheer gym. She and her husband Mark and their daughter enjoy the beach, hiking, snow skiing and football games. She has been a Baltimore Ravens fan and now supports the Jaguars in her new home town.

She looks forward to the opportunity of working with you on the purchase and financing of your home!