Kristen Buccini

Providing Exceptional Loan Solutions.

With over 8 years of experience in the mortgage industry as a processor, loan partner and loan officer, I’m passionate about helping you navigate home financing with confidence, clarity, and peace of mind.

Today, as your local Loan Officer and trusted financing resource, my goal is simple: to help you start your next chapter fully informed and empowered.

In today’s fast-moving digital world, I believe the mortgage process should still feel personal. I take a holistic approach to financing and pride myself on educating clients every step of the way so you feel confident in your decisions as a homeowner here in Florida, Georgia, or Pennsylvania.

At American Home Mortgage Group, we value strong relationships — with our clients, community partners, and lending network — allowing us to offer financing solutions tailored to a wide range of needs, including:

• Conventional, VA, FHA, and USDA loans
• First-time homebuyer programs & Down Payment Assistance
• Custom Home Loan One-time Close Construction
• Renovation loans
• Land financing
• Refinances & Debt consolidation
• DSCR & investment property loans
• Bank statement & Non-QM financing
• HELOC
• Reverse mortgages, chattel loans, and more

Areas of Specialization

• VA Home Loan Advocate - Helping fellow military families, veterans and service members with their VA Home Loan benefits
• First-time Home buyer Specialist - Down Payment Assistance and strategies to make homeownership more accessible
• Conventional and FHA loans
• Self-Employed financing solutions
• Relocation specialist
• Non-QM and Creative financing
• Home Loan Education
• Credit Repair resources and success coaching

Your Pre-Approval Is More Than a PDF • I believe a pre-approval should be a strategy session —not just paperwork. Whether you’re purchasing your first home, upgrading, relocation, or building an investment portfolio, you deserve guidance, transparency, and white-glove service at every price point. Buying a home is one of the biggest financial decisions of your life, and it’s important to work with someone who makes you feel seen, heard, and supported throughout the process.

Supporting the Military and First Responder Community • As the wife of a disabled veteran who served for 17 years, I understand both the personal and financial realities military families face. My mission is to bridge the gap between lender and the military community while helping fellow patriots maximize their VA Home Loan benefits. With gratitude and respect, I proudly serve our military members, veterans, first responders, law enforcement, healthcare workers, and their families, and continue to "pay it forward".

Homeownership Coaching & Mortgage Readiness • I enjoy helping renters take their first steps toward homeownership. From mortgage readiness coaching and credit improvement resources to down payment assistance strategies and closing cost solutions, I’m committed to helping you build long-term wealth through homeownership. 

For all your residential mortgage financing needs, call me today at (386) 986-6853, email kristen@ahmfl.com, or schedule a one-on-one consultation by phone or in-person in beautiful Flagler Beach, through my Calendly link above. Be sure to follow along on social media for tips, updates, and educational content.

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Kristen is originally from Maryland, and has called Palm Coast her home since 2004. She shares her love of life and adventure with her high school sweetheart Joe, two boys Jayden and Dominic and frenchie Luca! Exploring the world, cooking, gardening, animals, being with friends and spending time with her family are some of her favorite things.

My family is dedicated to supporting various national and local military initiatives for veterans and their families, and we are proud to support the community through these programs which I am happy to share with you. 

My husband co-founded non-profit Hookin' Veterans (https://hookinveterans.org). Hookin’ Veterans brings injured Veterans from all over the United States together for a one of a kind offshore fishing experience. An old saying goes, “Give a man a fish, and you feed him for a day. Teach a man to fish, and you feed him for a lifetime.” Our Veterans learn everything they need to know in order to take these skills home to their friends and families, giving them a hobby or new found passion they can then share with others. Our trips are designed to be fun, relaxing, and in some ways soothing to the soul. That being said, Hookin' Veterans is not about catching fish it’s about Heroes being remembered and Heroes being honored. This allows them to kindle new bonds with brothers in arms, giving them an experience they will remember forever. Catching fish is just a bonus.