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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.

More Mortgage Options More Happy Homeowners

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View our Recent Blogs

Holiday Week Catch-Up: Mortgage Rates Hover Near 2-Month Lows
Holiday Week Catch-Up: Mortgage Rates Hover Near 2-Month Lows

A holiday-week catch-up: light trading kept markets mostly sideways, but the average 30-year fixed edged to near two-month lows as bonds got a small lift from Europe and pending home sales improved.

Inflation Cools in November — What It Means for Mortgage Rates
Inflation Cools in November — What It Means for Mortgage Rates

Inflation slowed in November after peaking earlier this fall. Here’s what that means for mortgage rates and what homebuyers should watch next.

Fed Cuts Again, But Dot Plot Steers Mortgage Rate Outlook
Fed Cuts Again, But Dot Plot Steers Mortgage Rate Outlook

The Fed cut rates by 0.25% and ended quantitative tightening, but the real story for the average 30-year fixed is in the dot plot and Powell’s comments. Here’s what that means for mortgage rates and homebuyers.

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