• "I have not purchased a home in almost nine years, so I had a lot of questions and concerns. The mortgage brokers explained the process very well. Thanks!" -John P.

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  • "These mortgage brokers know everything you need for the underwriters to make the deal. From navigating the IRS tree to documenting our gift funds". -Lauren B. 

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  • "They were very reliable and worked efficiently to come through on their promises. I am very grateful to have them work along with me in the purchase of my new FL home!" -Mo H.

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  • "Everyone told us we couldn't get financed but they made sure that we were able to buy our first home. I would trust them again and again.  We love the house!" -Zach H.

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  • Andrew Saltman

    President & Consultant

    P (904) 513-8000

    Know Your Why:

    We were first time home buyers trying to buy our first home.  We contacted a large reputable bank still in business today who we had bank accounts with.  We didn't know how things worked at all, we just did what they told us to do for months.  A couple days before the closing was to take place we were not given what is called a "clear to close" or any affirmation that things were looking good (even after paying for an appraisal).  They effectively denied us without giving us an explainable reason.  We asked our realtor for help and she referred a local mortgage broker.  He closed us in less then three weeks.  I quit my job to go work for him.  The rest is history...

    • Born 10-16-1980 in Trenton New Jersey
    • Graduated Hun School of Princeton in 1999
    • Graduated University of Tampa in 2003 (Sykes Business School)
    • Worked in sports from 2003-2010 (Including the New York Yankees)
    • Worked for various Real Estate & Mortgage Brokers from 2010 - 2015
    • Founder and President of Carbon Capital in 2015
    • Married with children in Ponte Vedra Beach Florida
    • Regular golf and tennis enthusiast with a love to travel