Buying a house, especially for a first time buyer such as myself, can be a daunting experience. Working with Sand Dollar, they made it a bearable experience. Steve took the time to explain things that I didn’t understand. I knew he was looking out for my financial well being.  He made sure I had the most current and best interest rates and viewed any other programs that I could possibly benefit from. When it was a good time to refinance, Steve reached out to me; we weighed my options and in the end I was very happy with the lower rate. J The staff at Sand Dollar are always friendly and accommodating.  There were times when I had to drop off documents and/or sign after hours, someone would be there to greet me. I would recommend Sand Dollar Mortgage Services, Inc. and Sand Dollar Realty & Associates to anyone looking to buy a home or refinance. Many Thanks to Sand Dollar and Steve!

Ruth Perez


Dear Sand Dollar Mortgage and Realty,

Billy and I want to thank you for helping us get into our new home. Your expertise and guidance made buying our home a very pleasant experience! We appreciate the time, effort and care your entire staff provided us. We highly recommend Sand Dollar Mortgage Services, Inc. and  Sand Dollar Realty & Associates for anyone looking to buy or sell a home. 

Kind Regards,

 Billy & Cindy Smuck

Sand Dollar and Steve High are Highly Recommended!

I have done three loans with Sand Dollar Mortgage Services, Inc.and I could not be happier.  They have been excellent each time. My loan closed quickly.  We worked with Steve and Mike, both of them were the nicest people and very understanding.  Buying a house and the home loan process is stressful enough and having people that understand and would do anything they can for you, helps make it easier.  Even better they have always provided the lowest interest rate and best closing cost.  Even our closing process was terrific and I was amazed with our rate!  I will forever be a customer of Sand Dollar!
Thanks Steve & Mike!
Tony and Mary Lange