meet our team

Jack “Duke” Maggard Owner & Mortgage Broker NMLS Number: 1604766

(321) 381-4998 Duke@Saltwatermortgage.com

For 26 years, Duke has helped families across Florida's Space Coast finance, buy, and sell homes - and he comes by it honestly. A third-generation broker with nearly 80 years of combined family experience behind him, Duke brings a unique 360-degree perspective to every transaction as both a licensed mortgage broker and licensed real estate broker in the State of Florida. Clients don't get bounced between specialists when tough questions come up - they get guidance from someone who has seen every side of the closing table.
Duke founded Saltwater Mortgage with a simple philosophy: shop every major lender, eliminate unnecessary fees, and treat every client like a neighbor. He personally takes every loan application and works closely with clients throughout the financing process to provide clear communication, honest guidance, competitive loan options, and dependable closings.
As the Owner and Managing Broker of Saltwater Mortgage, Duke leads a team focused on personalized service, strong communication, and efficient transactions from application to closing. His approach to home lending is built on transparency, responsiveness, and trust - believing that rates matter, but service matters more. He believes a mortgage broker should shop the market rather than push a single product, and that the right loan can save a family thousands over the life of their mortgage. Above all, Duke is committed to delivering certainty, communication, and a smooth experience from start to finish.
Born and raised on the Space Coast, Duke is proud to continue building Saltwater Mortgage as a family business and lasting local legacy. With daughters Morgan and Jordan both involved in the company, he is helping carry the fourth generation of the Maggard family business forward while continuing to serve the community he has called home his entire life - combining decades of experience with a personal commitment to treating every client like family.

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