Refinance Home Loans in Florida

Refinancing your mortgage can help you lower your rate, reduce your monthly payment, access cash, or restructure your loan to fit your financial goals better. We offer a full range of refinance programs, from conventional and jumbo loans to non-QM solutions, all backed by in-house processing, wholesale pricing, and fast turn times.

Conventional Refinance Programs (FNMA / FHLMC)

Program Highlights

  • Rate-and-term and cash-out refinance options available
  • Cash-out up to 80% loan-to-value (LTV) on primary residences
  • Reduced rate options to lower monthly payments
  • Property Inspection Waivers
  • Simplified income options, including W-2 only programs
  • Reduced documentation with as few as 1 year of tax returns
  • Flexible debt-to-income ratios per automated underwriting approvals
  • Ability to remove mortgage insurance (PMI) when eligible
  • Non-occupant co-borrowers allowed in certain scenarios
  • Manufactured homes eligible (Fannie Mae guidelines)
  • Transferred appraisals accepted in eligible scenarios
  • Adjustable-Rate Mortgage (ARM) refinance options available

Jumbo Refinance Programs

Jumbo Highlights

  • Loan amounts up to $50,000,000
  • Available for both rate-and-term and cash-out refinance
  • Cash-out options available for high-value properties
  • 30-year fixed and alternative term options available
  • No private mortgage insurance (PMI) required
  • Flexible asset and reserve requirements
  • Ideal for high-net-worth borrowers and complex income scenarios

Non-QM Refinance Programs

Program Highlights

  • Bank Statement Loans (12 or 24 months for self-employed borrowers)
  • DSCR Loans for real estate investors (no personal income required)
  • Asset Utilization Loans (qualify using liquid assets)
  • P&L Only Programs (CPA-prepared profit & loss statements)
  • 1099 Income Programs
  • VOE (Verification of Employment Only) Loans
  • Interest-Only Options Available
  • Foreign National Programs
  • ITIN Loans Available
  • No Tax Return Options for qualified borrowers
  • Cash-out refinance available across multiple programs
  • Aggressive credit guidelines with lower FICO options
  • Available for primary residences, second homes, and investment properties

Best to contact our office and speak with a professional.