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

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We close loans in an impressive 25 days or less!


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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

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Why Waiting to Buy a Home Could Cost You

Waiting to buy a home in today’s market could cost you more in the long run. Learn why acting now—despite mortgage rates—might be the smartest move for future homeowners.

Falling Mortgage Rates Could Revitalize the Housing Market – What It Means for Buyers & Sellers
Falling Mortgage Rates Could Revitalize the Housing Market – What It Means for Buyers & Sellers

Mortgage rates have dropped to their lowest levels since December, making homeownership more affordable. Learn what this means for buyers and sellers in today’s market.

Selling Your Home? What You Need to Know About Capital Gains Taxes
Selling Your Home? What You Need to Know About Capital Gains Taxes

Learn how capital gains taxes work when selling your home and how to reduce what you owe. Consult a tax professional for personalized advice.

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