Refinance Your Florida Mortgage With an Independent Broker

Depends on why. Getting out of an adjustable before it resets is a good reason. So is a payment that's gotten tight, pulling cash for something specific, or dropping mortgage insurance you no longer need. Chasing a quarter-point usually isn't worth the closing costs. Tell us about your current loan and what you're after, and you'll get a straight answer the same day.

Yes, and sometimes lower. On a refinance, what counts most is how you've paid your current mortgage. If you've paid it on time, a score your bank would turn down can still work for an FHA refinance. Tell us your score and we'll tell you what it qualifies for.

In a lot of cases, yes. If you've built equity and you're carrying high-interest debt or staring down a big bill, a cash-out refinance turns that equity into cash, usually at a lower rate than the credit cards you'd use it to pay off. We size it to what you actually owe or need, not a dollar more, so you're not paying interest on money you never wanted.

Your bank runs on one rulebook. Other lenders run on different ones, and we can take your file to them to see who says yes. If it can't be done yet, we'll show you exactly what has to change.

Your bank has one refinance to sell you, at its own rate, and it's counting on you not to look around. We put your loan in front of a whole roster of wholesale lenders and take the one that wins. We've refinanced Florida homes since 1997, so we know which lenders move fast before a rate lock runs out. We'd rather keep you as a client for the next twenty years than talk you into a loan that makes no sense today.

On the first call we'll figure out which one fits and whether it even beats what you've got. Here's the short version:

Give us a call. No forms, nothing to dig up first. We'll talk through your situation, and you'll know whether a refinance helps or you're better off staying put.