Mortgage Refinancing In Florida
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Mortgage Refinancing In Florida

Refinance your Florida home with 1st Advantage Mortgage. Compare refinance rates, costs, terms and cash-out options with a licensed broker and lender.

Florida Mortgage Simplified

At 1st Advantage Mortgage, we’ve reimagined mortgage refinancing by giving borrowers a local team and clear communication. The result? A simpler, easier, and much faster process.

Types of Mortgages For Homeowners In Florida

When you refinance with 1st Advantage Mortgage. Our Mortgage experts can help you secure a better APR¹, change your loan terms, or reduce your monthly mortgage payment. We can even help you cash out your home’s equity to finance a big remodel, pay for graduate school, or consolidate higher-interest debt. Point being, your goals will determine which refinance mortgage is right for you.

Look through our different lending options and then connect with a Mortgage Expert. This knowledgeable team member can answer any questions you have about the refinance process. And, unlike other loan officers, they’ll actually remember your name.

Your Mortgage Expert is your personal resource through the loan process, providing guidance to ensure you find the best loan with the right payment options.

Fixed-Rate Mortgage (15 or 30 years)

With a fixed-rate 15 or 30 year mortgage, your interest rate and principal-and-interest payment stay the same for the life of the loan.

Adjustable-Rate Mortgage (ARM)

A lower initial interest rate for a fixed period, after which the rate adjusts on a set schedule. Worth considering if you plan to move or refinance again within a few years.

Cash-Out Refinancing

Replace your current mortgage with a larger loan and receive the difference in cash. Available on conventional, FHA, and VA loans, subject to equity and loan-to-value limits.

FHA Streamline Refinancing

Lower your rate and payment on an existing FHA loan with reduced documentation and, in many cases, no new appraisal.

VA Interest Rate Reduction Refinance Loan (IRRRL)

A streamlined refinance for veterans with an existing VA loan, designed to lower the rate with minimal paperwork and no appraisal in most cases.

Fannie Mae RefiNow

A conventional refinance option for eligible lower-income borrowers with a Fannie Mae loan, offering reduced closing costs and flexible qualifying.

Refinancing Options For Florida Homeowners

Do you want a better loan term but are afraid your credit isn’t up to par? Or maybe you’d prefer to extend your loan, moving from a 15-year to a 30-year mortgage, but aren’t sure if a lender will play ball? No matter your financial goals, 1st Advantage Mortgage will match you with a Mortgage Expert who will find a refinance mortgage that works for you.

Refinancing is fast and easy when you partner with 1st Advantage Mortgage Home Loans. Whether you’re a freelance designer with less-than-awesome credit or an empty nester recovering from bankruptcy, our Mortgage Expert will work tirelessly to find a mortgage refinancing option that suits your needs.

Hear From Our Clients

1st Advantage Mortgage is dedicated to providing responsive, human support to every individual, no matter their creditworthiness or income. Read client feedback on the Client Reviews page.

1st Advantage Mortgage: REFINANCE LENDER IN FLORIDA

1st Advantage Mortgage is a Florida mortgage refinance lender dedicated to serving homeowners across the Sunshine State. Unlike other lenders, who drag their feet and speak in legalese, 1st Advantage Mortgage provides a straightforward, user-friendly, and (dare we say?) pleasant refinancing experience. We’re big on efficiency and answering the phone when you need help putting out a fire.

No matter your financial situation – self-employed with a perfect FICO®* score or retired with less-than-perfect credit – our Florida Mortgage Expert will help you find the right home loan quickly and easily.

No matter which type of home loan you choose, our NC, SC, & FL Mortgage Experts will help you get it without the usual frustration.

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Talk to a licensed officer

Every Florida licensed loan officer on our team can help. Pre-approvals usually within 24 hours.

Find your officer

Loan officers serving Florida

James ScottNMLS #1381403
Jonathan HaferNMLS #1643314
Christopher GermainNMLS #1643299
See the whole team →

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Questions

Florida Mortgage Refinance FAQS

How many times can you refinance your house in Florida?

You can refinance your home as many times as you'd like. However, some lenders do have "seasoning requirements," or a wait time between refinances. In most cases, this waiting period is six to 12 months.

When should you refinance your home in Florida?

You should refinance your home when it makes financial sense. For example, if interest rates are at an all-time low, you might be able to secure better loan terms that reduce your monthly mortgage payment. Or, if you need cash for an urgent home repair, a cash-out refinance can provide the financing you need. Nevertheless, keep in mind that you'll be required to pay closing costs with a refinance, between 2-6% of the loan amount.

When can you refinance your home in Florida?

Most homeowners can refinance whenever they'd like. However, if you recently purchased your home or refinanced your mortgage, lenders may require that you wait a certain amount of time. This requirement varies. With a conventional refinance, for example, there's no waiting period whatsoever. But with a USDA refinance, you must wait six to 12 months.

How long does it take to refinance a house in Florida?

A refinance typically takes 30 to 45 days. But this process can be delayed by appraisals, inspections, and financing issues. To ensure a quick and speedy refinance, first make sure you meet your lender's credit, debt-to-income ratio, and equity requirements. You can also gather necessary documentation like W-2s or 1099s, pay stubs, and bank statements.

Do you refinance homes in Florida?

Yes. 1st Advantage Mortgage handles rate-and-term, cash-out and streamline refinances in Florida.

What documents do I need to refinance in Florida?

Your current mortgage statement, recent pay stubs, two years of W-2s or tax returns, recent bank statements and your homeowners insurance declaration page. Self-employed borrowers may qualify on bank statements instead of returns.

Does homeowners insurance affect a Florida refinance?

Yes, more than in most states. Florida premiums and windstorm coverage can move the payment enough to change whether a refinance makes sense, so we work from a current declaration page rather than an estimate.

Can I take cash out on a Florida investment property?

Yes, on conventional and on DSCR programs, subject to equity and loan-to-value limits. A DSCR loan qualifies on the property's rental income rather than your personal income, which is often the route for investors with several financed properties.

Legal information

¹ No-Down Payment Disclaimer: Closing costs and fees may still apply.

² Representative example (conventional, fixed rate): Purchase price $300,000 with a 5% down payment of $15,000 and a loan amount of $285,000. 30-year fixed rate at 6.000% (6.390% APR). 360 monthly principal-and-interest payments of $1,708.72, plus estimated private mortgage insurance of $95.00 per month until the loan balance reaches 78% of the original value (approximately 129 months). APR reflects $1,995 in lender fees, 15 days of prepaid interest, and mortgage insurance. Payment does not include property taxes, homeowners insurance, or HOA dues; your actual payment will be higher. The interest rate is fixed and will not increase. Example dated September 12, 2026, for illustration only. Rates change daily. This is not an offer, quote, or commitment to lend. All loans are subject to credit approval, property appraisal, and program eligibility. Your rate, APR, and payment will depend on your credit, down payment, property, and loan program.

³ Refinancing Disclaimer: When refinancing your mortgage, you can typically reduce your monthly payment amount. However, your total finance charges may be greater over the life of your loan. Your 1st Advantage Mortgage loan professional will provide you with a comprehensive refinance comparison analysis to determine your total life loan savings.

⁴ VA Mortgage Disclaimer: VA home loan purchases offer options for a 0% down payment, no private mortgage insurance requirements, and competitive interest rates with specific qualification requirements. VA Interest Rate Reduction Loans (IRRRL) are exclusively for veterans with current VA loans. Current loan rate restrictions apply, and limits to recoupment of costs and fees apply. VA cash-out refinances are available for veterans with or without current VA loans. Policies and guidelines may vary and are subject to individual borrower(s) qualifications. Program and lender overlays apply.

⁵ Down Payment Assistance Disclaimer: First-lien interest rates may be higher when using a DPA.

⁶ Pre-Approval Disclaimer: Pre-approvals are granted to clients who meet qualifying approval criteria and specific loan requirements at the time of application. Results may vary.

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