Eli O. Sanderlin

I started The Mortgage Dock because I got tired of watching coastal Florida buyers get jerked around by national lenders who don't actually understand the markets they're quoting.

I'm a senior mortgage loan advisor with Coast2Coast Mortgage, LLC (NMLS #376205). I've spent the last several years building deep specialization in the markets that punish generalists: Florida Keys, South Florida, Martin County, Palm Beach County, Treasure Coast, and St. Augustine.

The thing every coastal FL deal has in common is that the headline numbers (price, rate, down payment) are only half the story. The other half is insurance, flood zone, condo questionnaire, FEMA remap, surplus lines availability, Citizens depopulation, and 12 other variables most loan officers can't even spell. That's the half that breaks deals — and the half I solve for.

What makes The Mortgage Dock different

• Coastal-specific underwriting. I quote insurance before we go under contract — every time, no exceptions. Most LOs treat insurance as an afterthought. In coastal FL, that's deal suicide.
• 60+ lender panel. Conventional, government, jumbo, non-QM, DSCR, hard money, foreign national. I don't have one product to sell — I have the right product for your file.
• Tech that actually works for you. Marina Vale, my AI mortgage concierge, gives you 24/7 answers to coastal lending questions while I'm closing files. The Coastal Risk Score™ tool tells you in 60 seconds whether a property is mortgageable before you waste an offer.
• Realtor partnership focus. If you're a Florida coastal Realtor, I want to be your lender. Co-marketing, deal-saving on hard files, and a 24-hour pre-approval turnaround so your offer reads like cash.

The Marina Vale moat

I'm building Marina Vale AI as the first coastal-specialty mortgage AI on the market. Layers of proprietary intelligence on flood zones, Florida insurance, Monroe County regulations, condo nuance, and STR underwriting — all available 24/7 to you and your buyers. It's not a chatbot. It's a brokerage advantage.

Credentials & Licensing

• Eli O. Sanderlin — Sr. Mortgage Loan Advisor
• NMLS #1983384
• Coast2Coast Mortgage, LLC — Company NMLS #376205
• 125 B King Street, St. Augustine, FL 32084
• Phone: 305.563.1469
• Email: eli@coast2coastml.com

Let's run your numbers.

Whether you're under contract, pre-shopping, refinancing, or you're a Realtor wondering if I'm worth a partnership — book a 30-minute call. No pressure, no upsell. Just real numbers and an honest assessment of what's possible.