Pull cash out of your equity, cut your monthly payment, or roll high-interest debt into one lower rate.
Cash, a lower payment, or debt gone. Three minutes and a soft credit check — nothing that touches your score.
We price every structure that fits — including the ones that keep your current rate — and show you the payments next to each other.
In our South Miami office, at your kitchen table with a mobile notary, or fully online. Same loan officer the whole way.
Turn a portion of the equity you've built into cash for renovations, major expenses, investments, or other financial goals.
Explore cash-out options →A lower rate or longer loan term may reduce your monthly payment. Compare your options to see whether refinancing makes financial sense.
Estimate your savings →Use your home equity to pay off higher-interest balances and combine multiple payments into one.
See your options →Principal and interest only. Excludes taxes, insurance and mortgage insurance. Estimates based solely on the values you enter — not a quote, offer, or commitment to lend. Consolidating debt into a mortgage secures it against your home and extends repayment, which can increase total interest paid even at a lower rate.
Already on an FHA loan? Typically no appraisal, reduced documentation, and in many cases no income verification. Lowers your rate — but keeps FHA mortgage insurance.
The simplest refinance in the market for existing VA borrowers. Usually no appraisal, minimal paperwork, reduced funding fee. Rate and term only — no cash out.
With under 10% down, FHA's premium never falls off. On a $350,000 loan that's roughly $160 a month — about $1,900 a year, indefinitely. With 20% equity, a conventional refinance removes it entirely.
Divorce, a separating co-borrower, or buying out a family member. A refinance is the only way to release someone from the debt — a quitclaim deed moves the title but leaves them on the loan.
Conventional and FHA cash-out refinances generally go to 80% of appraised value. Subtract your balance and closing costs and the rest is yours at closing. VA cash-out can go higher, up to 100% in some cases. Investment properties typically cap around 75%.
A cash-out refinance replaces your whole mortgage, so your entire balance moves to today's rate. A home equity loan or HELOC sits behind your existing mortgage, so you keep your current rate and only pay today's rate on the new money. If your existing rate is well below market, the second is usually cheaper.
Yes, and there's no penalty for it. You're not obligated to stay with your servicer. We coordinate the payoff of the existing loan directly.
Most refinances close in 30 to 45 days. Streamline programs move faster since they often skip the appraisal. Refinancing a primary residence also includes a federally required three business day right of rescission after signing, before funds are released.
Yes, unless you choose a shorter one. Ten years into a 30-year loan, refinancing into another 30-year adds ten years of payments — the monthly number drops but total interest can rise. A 20- or 15-year term avoids the reset.
Generally 2% to 5% of the loan amount: lender fees, appraisal, title and settlement, Florida documentary stamp and intangible taxes, recording, prepaid interest and escrow funding. You can pay up front, roll it into the loan, or accept a slightly higher rate and let a lender credit cover it. We'll quote all three.
Slightly and briefly. There's a hard inquiry and a new account replacing an old one. Mortgage inquiries within a 45-day window count as a single inquiry under current FICO models, so shopping around doesn't compound it.
Yes, including cash-out, though LTV limits are tighter and pricing is higher than on a primary residence. DSCR refinances qualify on the property's rental income instead of your tax returns, which is usually the cleanest path for investors with multiple properties.
Still have a question? Ask a licensed loan officer directly.
Start my refinancePrefer to talk first? Call (786) 952-7143 or schedule a 15-minute call.
Soft credit check only. This does not affect your credit score.
A licensed loan officer will walk through what you qualify for, what your payment looks like, and which programs apply — with no obligation and no hard credit pull.
Apply NowOr call (786) 952-7143