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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

Why Homeownership Is Still Worth It—Even Beyond the Finances
Why Homeownership Is Still Worth It—Even Beyond the Finances

From mental health benefits to stronger communities, homeownership offers more than just a return on investment—it offers a better quality of life.

Mortgage Rates Aren’t Just About the Fed — Here’s What You Really Need to Know
Mortgage Rates Aren’t Just About the Fed — Here’s What You Really Need to Know

Mortgage rates held steady this week—but not for the reasons you think. Here’s why working with a loan officer beats doing your own research when timing the market.

The Real Estate Rule That Just Got Repealed—And Why It’s a Big Win for Buyers
The Real Estate Rule That Just Got Repealed—And Why It’s a Big Win for Buyers

The National Association of Realtors repealed a rule that kept some listings hidden—thanks in part to pressure from homebuyers, tech platforms, and even the DOJ. Learn how this boosts your home search.

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