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Success: “To laugh often and love much; to win the respect of intelligent persons and the affection of children; to earn the approbation of honest critics and endure the betrayal of false friends; to appreciate beauty; to find the best in others; to give of one’s self; to leave the world a bit better, whether by a healthy child, a garden patch or a redeemed social condition; to have played and laughed with enthusiasm and sung with exultation; to know even one life has breathed easier because you have lived — this is to have succeeded!” -Emerson
Andrew Saltman
Andrew Saltman is a Ponte Vedra Beach based real estate and mortgage specialist and Founding Broker of Carbon Capital and PVX Residential.
Early Life
Andrew Saltman was born in Trenton, New Jersey on October 16, 1980 and raised in West Windsor New Jersey. He graduated high school in 1999 from the Hun School of Princeton and then in 2003 from the University of Tampa, Sykes Business School with a degree in finance. Saltman was elected President of Pi Kappa Phi Fraternity. He also worked for the New York Yankees in their Finance Department all four years of college. Saltman briefly attended Nova Southeastern University Law School prior to dropping out and pursuing other interests.
During and several years after college he spent time traveling to over 50 countries and over 100 cities and worked as a tennis professional at several Country Clubs (DB Racquet Club, Westside Tennis Center, Hurricane Tennis in Sarasota, and 300 Club) as well as on the ITF’s Future’s Men’s Pro Circuit.
Real Estate and Mortgage Career
Andrew Saltman bought his first home in North Port, Florida and his wife told him he had a hidden talent in handling the real estate and financing aspects. In 2010 – 2011 he began his career in the industry during the lowest point in history. He spent time at several brokerages including (Coldwell Banker, First Florida Financial, Bayway Mortgage, River Oak Realty, Mapp Realty and Investment Co. and A-D Custom Mortgage Corp). He and his team are currently regarded as one of North Florida’s top brokers.
Personal Life
Saltman is a fan of the Florida Gators, Jacksonville Jaguars, Miami Dolphins, Tampa Bay Buccaneers, New York Yankees, and Boston Celtics. He is a 4.5 level tennis player and enjoys casual golfing, travel, and spending time with his wife and three children in Ponte Vedra Beach.
Our Corporate Promise is to save you “time, money, and stress!”
Carbon Capital was founded in 2014 as a new mortgage brokerage firm in Florida. Our service consists of document collection, pulling credit, and closing loans. All mortgage loans were created equal and it is exactly like flying as a passenger in a plane; there will always be turbulence but we will get you from point A to point B and close on time every time. We will save you time because we are so efficient in our process with our team, money because of our low rates and fees, and stress because we are so skilled at our jobs and clear communication throughout the process.

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What Our Clients Are Saying

Han Fan
Han Fan

01:46 21 Mar 19

Me and my wife apply for mortgage back in August 2018.. the process is really smooth. very knowledgeable and willing to explain. Fast response time. I would give more than 5 star if I could.

Keith U
Keith U

16:03 14 Mar 19

Hands down the best mortgage broker in Jacksonville. Using Carbon Capital we were able to prequalify and place a bid on our first home in a matter of hours. Andrew went out of his way to explain everything and make sure we understood the mortgage process in simple terms. Casey and Kelly were able to answer all of our questions. They even answered our emails during the weekend and outside office hours. That is great customer service!

Rebecca Richey
Rebecca Richey

15:14 09 Jan 19

We have had an amazing experience working with Andrew, Casey and Kelly with Carbon Capital. They have been on top of everything to ensure we have had a very smooth closing. We are so pleased with their response time and professionalism throughout this entire process. Great job!! Thanks!!

Nicole Coburn
Nicole Coburn

11:07 16 Nov 18

Andrew/Kelly/Ross all gave exceptional performances during our home buying process. I highly recommend Carbon Capital if you are in the market. They made buying our home a breeze. The processes that they have in place are seamless and easy to use and give full details of everything that you may have a question about. Always promptly returned phone calls and took real patience and care which is outstanding with my anxiety through the whole thing. Thanks for everything you do. Client for life.

Susan Brennan
Susan Brennan

07:37 11 Oct 18

If you're in the market to purchase a home, I highly recommend Carbon Capital. We received professional and timely answers to our many questions and scenarios. Kelly is just the epitome of patience and very knowledgeable with regard to all types of mortgages. Being somewhat of a "commitment-phobe," the idea of a 30-year mortgage really drove my anxiety during the home buying process. It was reassuring to know that any questions or concerns would be quickly addressed by Kelly or Andrew with either a phone call, e-mail, or text. The personal service we received was second to none. In the end, I believe we got the best available rate and terms and found the entire process quite seamless thanks to Carbon Capital.

Stephen Sapp
Stephen Sapp

12:36 04 Oct 18

I've bought, sold, and refinanced houses over the years a number of times. I've never had the mortgage process go smoother than it had with Carbon Capital. Andrew and Kelly are fantastic! They explain everything in plain english. They're extremely responsive to questions via email or telephone. When I buy, sell, or refinance in the future, I won't have to do any shopping around; I will just make a call to Carbon Capital. Thanks Andrew and Kelly!!!