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  • Residential & Commercial Loans

    Welcome to the official site of Salt Life Mortgage. We are a full-service mortgage company servicing the state of Florida from the Florida Keys to the Panhandle. We specialize in a variety of loans to meet your purchase or refinance needs.  Whether your are buying a primary home, second home or investment property let our skilled Loan Officers find the right program to fit your needs.  We have flexible programs and low rates to help you reach your goals.

  • With a wide range of refinance options designed to best meet your individual needs and time frames, we focus on what is important to you: Low Down Payment, Low Monthly Payments, Low Interest Rate, Low Costs, etc.

  • We offer the following Residential Purchase and Refinance Programs based on your qualifying and purchase needs:

  • FHA Streamline | FHA Cash Out | FHA 203k | VA Streamline | VA Cash-Out | USDA Streamline | Conventional | HELOC | HARP |  Jumbo | Reverse - HECM (Home Equity Conversion Mortgage)

    * Full Doc (Employed)
    * Self Employed (Business Income) 1099 only
    * DSCR (Income from property not Borrower qualfies loan)
    * 12/24 mos. Bank Statements (Personal or Business)
    * Asset Depletion (Use your Assets to Qualify) 

  • What makes Salt Life Mortgage LLC unique is that we offer the following niche programs as well:

    * Vacation Rental Home Purchase Loans
    * Second Homes
    * Non-Warrantable Condos, COOPS & Condotels
    * Construction Perm Loans
    * Lot Loans
    * Mobile Homes and Container Homes (must appraise as a single family with market comps)
    * Foreign NationalsDelayed Financing (buy cash and finance during or after you close)


Contact Salt Life Mortgage today to discuss your mortgage loan options, and find out which loan program will best suit your needs.

Recent Articles

What’s the difference between private mortgage insurance and mortgage insurance premium?
If you are one of those buyers who can’t afford to pay a sizeable down payment, don’t give up on homeownership just yet. Mortgage insurance is a tool that can help you achieve homeownership despite the lack of funds for a down. When you pay for mortgage insurance as part of your...
Is It Possible to Buy a Condo with a VA Loan?
Did you know you could purchase a condo unit with a VA home loan? VA loans are a great home financing option since they don’t require a down payment and have lower interest rates than other mortgage products. So if you qualify for a VA home loan, purchasing a condo would be a fantastic...
Buying Mortgage Points: Is It Worth It?
Buying mortgage points is a way to secure a lower interest rate during the home buying process. It can save you several thousands of dollars in interest over the life of the loan and lower your monthly mortgage payment. Check out this nifty guide to learn how they’re calculated so you...
Things to Consider When Deciding to Rent or Buy Your First Home
Are you considering whether you should purchase your first home or rent? There are several things to think about when deciding if you want to buy or rent.  We’ve listed down things you should know so that you can settle the rent or buy debate in your situation. Put Your Future...