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Buying A home? Refinancing?Apply for your mortgage today! 

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Conventional, FHA, VA and Jumbo in Florida


Welcome to the official site of Sand Dollar Mortgage, LLC. We are a full-service mortgage company based in Vero Beach, FL. We specialize in Conventional, FHA, VA and Jumbo loans, for W2 Borrowers, Self-Employed Borrowers and Investors in Florida. Whether you are buying a home or refinancing in Florida, we can help you realize your dream of home ownership or save you money when getting your new lower monthly payment.

In terms of Purchase Loan programs, we offer the following:


FHA | VA | USDA | HomePath | Jumbo | Conventional


Refinancing? We can help you with that, too!


We offer a wide range of refinance options designed to best meet the needs of local borrowers. If you're looking for cash out or just to get a better rate and term, we can assist you. We offer the following Refinancing Programs:


FHA Streamline | FHA Cash Out | VA Streamline (IRRRL) | VA Cash Out | USDA Streamline | Conventional | Jumbo


What makes Sand Dollar Mortgage, LLC unique is that we offer the following niche programs as well: Bank Statement, 1099, Investor Cash Flow, Debt Service Coverage Ratio (DSCR), and Down Payment Assistance (DPA).


Contact Sand Dollar Mortgage, LLC today to discuss your mortgage loan options and find out which loan program will best suit your needs.

Tools to help you along the way

Tools to get you informed and started on your mortgage journey.

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View our Recent Blogs

Mortgage Rates Holding Steady… For Now
Mortgage Rates Holding Steady… For Now

After Powell's Jackson Hole speech, mortgage rates hit their lowest levels since Oct 2024. But don’t get too comfortable—more movement could be coming after Friday’s inflation data and next week's jobs report.

Lower Rates? Don’t Relax Just Yet
Lower Rates? Don’t Relax Just Yet

Mortgage rates stayed mostly flat this week, holding near 10-month lows. Here’s what happened from August 18–20 and why upcoming economic data could shake things up.

Mortgage Rates at 10-Month Lows! Big Opportunity!
Mortgage Rates at 10-Month Lows! Big Opportunity!

Mortgage rates are holding near 10-month lows after early August’s jobs report and mixed inflation data. Here’s what homebuyers and homeowners need to know.

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