Loan program

Refinance

Lower your rate, payment, or pull cash out

If rates have moved since you closed, or your credit has improved, a refinance review can show whether a lower payment, a shorter term, or cash-out makes sense. Checking costs nothing and does not touch your credit.

See if I qualify Call (407) 443-9461

Who it suits

Who this is for

01Homeowners who locked a rate higher than today’s market

02Anyone whose credit score has improved since closing

03Owners who want to tap equity for renovations or debt consolidation

The upside

Why buyers choose Refinance

Lower monthly payment

Even half a percent off your rate can save hundreds per month on a typical Florida mortgage.

Cash-out options

Convert home equity into funds for renovations, debt payoff, or investments, often at far lower rates than credit cards or personal loans.

Drop FHA mortgage insurance

If you bought FHA and now have 20%+ equity, refinancing to conventional can remove mortgage insurance entirely.

Shorten your term

Move from a 30-year to a 20- or 15-year loan and save tens of thousands in lifetime interest.

Requirements

How to qualify

Typical guidelines. Your exact numbers come from the free 60-second check.

01Sufficient equity (typically 3%+ for rate-and-term, 20% for best cash-out pricing)

02Documented income and satisfactory credit

03Refinance savings should outweigh closing costs - we run this math for you honestly

Questions

Common questions

A common rule is a 0.5 to 1 point rate drop, but the honest answer is the break-even math: closing costs divided by monthly savings. We show you that number up front.

Keep looking

See what you qualify for

Nine quick questions. Zero impact on your credit score. Real answers in about 60 seconds.

Check if I qualify

Refinancing may increase the total finance charges paid over the life of the loan. Final rates and terms are determined by the underwriting lender at the time of application.