Welcome to Mortgage by the Sea

Thank you for taking the time to visit our site. After reading about our philosophy of doing business, click on our pictures to learn more about each one of us. We hope you appreciate our goals and direction, and will choose Mortgage by the Sea for your next mortgage.



Mortgage by the Sea is an assemblage of mortgage professionals who take pride in providing superb service, the most competitive pricing, and the widest range of mortgage programs to their clients. We have established relationships with the largest and most stable lenders in the market, and always are able to offer the most appropriate competitive loan program, tailored to a client's specific needs and desires.

Toby White has taken a solid business plan honed over his two decades in the business, assembled the very best group of people he could find with a similar mindset of quality and integrity, provided a terrific working environment overlooking the yacht basin in Lauderdale by the Sea, and thereby created Mortgage by the Sea!

The proud team of professionals that comprise Mortgage by the Sea have a long standing and solid presence in the real estate community and have built positive relationships with the lenders, realtors, and builders in the South Florida marketplace. While our backgrounds are quite diverse, we all share the common goal of excellence, and consistently deliver exactly what we agree to do in a timely manner.

Our company philosophy is honesty and integrity; you will have no surprises at your closing. We do everything in our power to make the seemingly daunting and complicated mortgage process as simple and pleasant for our clients as possible. We accomplish this through three very important processes; disclosure, communication, and action.

We relish the opportunity to help you obtain the most appropriate financing available, in the shortest time, with the least amount of stress.

Thank you again for taking the time to visit our site.