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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.

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View our Recent Blogs

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The housing market is shifting—and it's shifting in your favor. Learn why rising inventory, slower sales, and increased negotiating power mean buyers have the upper hand. Don’t miss your window.

The Secret Every Successful Home Seller Knows (But Most Miss)
The Secret Every Successful Home Seller Knows (But Most Miss)

Discover the simple but powerful secret that helps homeowners sell faster and for top dollar in today's real estate market. Hint: It’s not just about price.

April 2025 Housing Market Update: A Shift That Favors Buyers
April 2025 Housing Market Update: A Shift That Favors Buyers

Home prices are cooling, inventory is rising, and buyers are gaining leverage. See what the April 2025 housing market update means for you.

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