Mortgage Refinance in Florida

Reasons to refinance

• Lower your interest rate — even a 0.5% drop can save $100+/month
• Remove mortgage insurance — if your home value went up, you may have 20% equity
• Shorten your term — go from 30 to 15 years and save $50,000+ in interest
• Cash out equity — for home improvements, debt consolidation, or investments
• Switch from ARM to fixed — lock in a rate that won't change
• Consolidate a first and second mortgage into one payment

When does refinancing make sense?

The old rule of thumb was to refi when rates drop 1%. That's outdated — even a 0.5% drop can make sense if you plan to stay in the home long enough to recoup closing costs. We'll calculate your break-even point in one phone call.

Refinance options we offer

• Rate-and-term refinance — change your rate, term, or both
• Cash-out refinance — borrow up to 80% of your home's value
• FHA streamline — reduced paperwork, no appraisal required
• VA IRRRL — interest rate reduction refinance, minimal documentation
• Conventional DU Refi — desktop underwriter approval in minutes