| Refinance Your Loan in Florida
Refinance Your Home. Lower Your Payment. Reach Your Goals.
Refinancing your mortgage can help you lower your monthly payment, reduce your interest rate, tap into your home’s equity, or shorten your loan term. Whether you’re looking to save money each month or use your equity for life goals, a refinance may be the smart move.
We’ll help you review your current loan, explore your options, and choose a refinance strategy that aligns with your financial goals—without unnecessary stress or confusion.
Why Homeowners refinance MORTGAGES in florida?
Refinancing can be one of the most powerful financial tools available.
Here are the most common reasons homeowners across Winter Park, Casselberry, Sanford, Lake Mary, Orlando, and all over Florida choose to refinance:
✔ Lower Your Monthly Payment
Reduce your interest rate or extend your loan term for budget-friendly monthly payments.
✔ Shorten Your Loan Term
Move from a 30-year to a 20- or 15-year loan and save tens of thousands in long-term interest.
✔ Consolidate High-Interest Debt
Roll credit cards, personal loans, or auto loans into one low, fixed mortgage payment.
✔ Access Home Equity (Cash-Out Refi)
Use your built-up equity to remodel, invest, pay medical bills, or fund education expenses.
✔ Remove Mortgage Insurance (PMI)
If your home value has increased—common in many Florida markets—you may qualify to drop mortgage insurance.
✔ Switch from FHA to Conventional
Many Florida homeowners refinance out of FHA loans to remove Mortgage Insurance Premium (MIP) and secure a better long-term payment.
COMMON REFINANCE OPTIONS
Rate & Term Refinance – Adjust your rate, term, or both
Cash-Out Refinance – Access equity while refinancing your loan
FHA Streamline Refinance – Simplified option for current FHA borrowers
VA IRRRL – Fast, low-document option for eligible Veterans
Conventional Refinance – Flexible options for qualified homeowners
Is Refinancing Right for You?
Refinancing makes the most sense when it aligns with your long-term plans. We’ll walk through break-even points, costs, and savings so you can make a confident, informed decision.
REFINANCE CALCULATOR
Current Loan
New Refinance Loan
Why FLORIDA Homeowners refinance WITH US?
😎 Local Florida Expertise
We understand Florida home values, equity trends, and neighborhood-level lending nuances.
🤝 Real Guidance, Real Support
You get personal, high-touch service—not an online-only experience.
⚡ Fast, Efficient Process
Our streamlined systems keep your refinance moving quickly.
🔒 Trusted, Transparent Lending
You’ll always know where you stand and what to expect.
REFINANCING FAQs
How do I know if refinancing is worth it?
If you can lower your rate, drop mortgage insurance, shorten your term, or access equity at a low cost, refinancing can be a smart move. We run a full cost-benefit analysis for you.
Does refinancing require an appraisal?
Some programs do—others (like FHA Streamline and VA IRRRL) may not. We’ll advise what’s required.
Can I refinance if my credit isn't perfect?
Yes. FHA and some other loan programs allow flexible credit options.
How much equity do I need for a cash-out refinance?
Most borrowers need at least 20% equity in their home. Rising home values often help meet that threshold.
Can I remove PMI or MIP with a refinance?
Absolutely. If you refinance into a conventional loan and have at least 20% equity, mortgage insurance can often be removed. Many Florida homeowners switch from FHA to conventional specifically to eliminate MIP.
Can I switch from FHA to Conventional with a refinance?
Yes. Many borrowers refinance from FHA to conventional to remove the monthly mortgage insurance and secure better long-term payments. We’ll check credit, equity, and current Florida market conditions to determine eligibility.
Ready to Explore Your Refinance Options?
We are just a call away for:
👉 A FREE Refinance Review
👉 To See How Much You Can Save
👉 For Cash-Out Refinance Options
MID FLORIDA MORTGAGE BLOG
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WHAT OUR CLIENTS SAY
Our clients are at the center of everything we do. Their experiences reflect our dedication to clear guidance, trusted mortgage expertise, and a home-financing experience built around care and understanding.
Contact Info
We’re here to make your home financing experience smooth and stress-free. Contact our team anytime — we’re ready to guide you through every step of your homebuying journey.
Location
235 S Central Ave, Oviedo Florida 32765
Phone
Mid Florida Mortgage Professionals
Company NMLS# 1587074
Rayce Robinson
LO NMLS # 322615
235 South Central Ave
Oviedo, Florida 32765
© 2026 Mid Florida Mortgage Professionals. All rights reserved. Mid Florida Mortgage Professionals is not affiliated with any government agencies. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Equal Housing Opportunity. NMLS Consumer Access
