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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)

PLUS LOTS MORE...SEND US YOUR SCENARIO

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

Recent Articles

Aug
03
2022
Feds Hike Interest Rate: What This Means for Mortgages, Car Loans, and More
The Federal Reserve raised interest rates for the second time in recent months to rein in inflation. And whether directly or indirectly, consumers will start to feel the effects of increasing borrowing costs. Here's how that breaks down for you: Credit Cards Credit card rates are...
Jul
27
2022
Best Home Loan Options for Single Parents
Are you a single parent who dreams of owning a home but nervous that you’ll encounter too many challenges? We’ve got good news for you!  There are home buying assistance programs that can help you purchase a home. If you’re a single mom or dad who wants to buy a...
Jul
21
2022
Who Qualifies for Down Payment Assistance?
If you want to purchase a house for the first time but don’t have enough money for a down payment, getting a state or local down payment assistance program might be the best option. We’re going to look at what down payment assistance programs are all about and how you could...
Jul
13
2022
How Do Second Mortgages Work?
Many homebuyers don't know they can take a second mortgage on their homes. The first loan, the primary mortgage, is taken while purchasing a property. A second mortgage is a type of mortgage that lets you borrow against the value of the same property while your first loan is not fully paid...