I am so grateful to Frank for helping us navigate through the mortgage process. He answered questions, was honest, thorough, and super attentive. After trying to work through the mortgage process with a new home builder, who wanted to settle on a 7.99% financing deal (no debt, high credit rating), we called Frank and he was able to get us a 6.116% interest rate. That is a huge difference in this economy. We couldn't be more thankful for all his advice and guidance. The closing was super fast and smooth!!

2 months ago
Susanne D

Very professional and fast team. They guide us step by step. The process was smooth. A reliable team.. Recomended!

10 months ago
Josselin Boone

I'm a retired veteran , and Mr, Mastriacovo helped my wife and I purchase our home here in Palm Coast, Florida . He also kept a sharp eye on interest rates , and notified us when rates dropped below 2.5 % ! Needless to say we refinanced with Saltwater Funding , and Mr. Mastriacovo again worked too secure us a fully funded refinance Mortgage below 2.5 % . He was a pleasure to work with , and always kept us well informed and educated on our major financial investment ! We highly recommend Mr. Mastriacovo , and Saltwater Funding now and in the future ! A+

1 year ago
thomas Bara

Saltwater Funding and Frank are second to none! Exceptional communication and industry knowledge!!

1 year ago

This is a great company! If you need a mortgage this is the place to go! Frank is friendly, knowledgeable and goes above and beyond to make your home buying experience a pleasure.

1 year ago
John Fanelli

Our experience with Saltwater Funding has been phenomenal! Frank is extremely knowledgeable and provided excellent customer service. He took the time to provide us detailed answers to our questions and walked us through the process step by step. I would highly recommend Saltwater Funding for your mortgage and refinancing needs.

1 year ago
Angela Smosarski

I was a mortgage originator back in the day, and I must compliment Frank and Saltwater Mortgage on the ease and efficiency of their process. Feedback on the status of submissions was quick and concise. And anytime I had a question (it was not often) Frank got back to me very quickly. I estimate I am saving over $175,000 in interest charges from the 2 properties I refinanced with Saltwater. Top-notch service and products.

1 year ago
Steve Canfield

They have been there for us in the beginning of buying our home and refinancing. Great people

1 year ago
Sue Bara

100% satisfied customer. From Franks professionalism and dedication to how he really protects your personal information before, during and after your deal is done.

1 year ago
Chris Herrera

Frank is hands down the best lender in Flagler county! I spoke to many about my challenging situation the first time and he listened when others would not. He goes the extra mile to ensure there will not be any surprises. We have financed two homes with Frank and my son financed his as well. The Harringtons have really appreciated his attention to detail!!

1 year ago
Debi Harrington

Frank is very knowledgeable and extremely helpful through the entire process. Highly recommend!

1 year ago
K. Fanelli

Frank was a great help always available to answer questions which I had a lot and the transaction went smooth no bumps in the road, I highly recommend them

1 year ago
Debbie Laso

Frank's knowledge and practical approach made my home buying process a breeze. Communication was consistent, concise, and clear. Every question or concern I had was answered and addressed in detail. Any problems that arose were handled with thoughtfulness and displayed just how knowledgeable Frank is with the various products/options/solutions. Would not work with anyone else!

1 year ago

Great service, best in flagler county if you need a mortgage or refinance. I have done both with saltwater funding. Frank is very professional and trustworthy. He will not stop working until you're satisfied with your loan. I will never use anybody else.

1 year ago
Daniel Cellini

Frank was so helpful and patience!! When explaining & if I didn't understand he explained until I understood. I would recommend him. Thanks

1 year ago
Karen O'Neil