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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:
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:
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 get you informed and started on your mortgage journey.
What our clients are saying.
The average 30-year fixed mortgage rate is hovering near 3-year lows as bond markets hold steady amid limited economic data. Learn why rates remain low and what could move them next.
A new Realtor.com survey reveals that 1 in 5 Gen Z adults say housing affordability is their top life concern. Learn how young buyers are adapting, saving, and staying determined to achieve homeownership.
On October 9, 2025, the average 30-year fixed mortgage rate edged slightly higher to 6.38% after a weaker 30-year Treasury auction and mild MBS underperformance. Rates remain stable within a narrow range as the government shutdown continues.
Monday - Friday 9 a.m. - 5 p.m.
Saturday - 9 a.m. - 5 p.m.
