Your Most Trusted Partner in Home Purchase Loans & Refinance Loans
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Lower your rate. Reduce your payment. Unlock your equity — all with a trusted Tampa mortgage broker.
Lower interest rates
Tap into your home equity
Fast, expert-guided pre-approvals
Start with a quick application to help us understand your full financial picture, including your credit history, income, savings account, existing debts, and goals. Our team also reviews your deposit account balances, recent pay stubs, and bank statements.
From there, we’ll walk you through your refinancing options, whether you're looking to:
Curious what your new monthly payment might look like? Try our mortgage calculator to estimate your savings after refinancing.
Once you decide on a strategy, we help you lock in your new interest rate to protect against rate changes. You’ll also learn about floating your rate and how to minimize upfront costs. Understanding your options, like paying points or rolling fees into your loan, can make a big difference in your long-term savings.
During this phase, we verify your financial documents and order a home appraisal. The value of your property affects:
After approval, you’ll sign final documents and officially refinance your home loan. Expect to close in about 30–45 days with full guidance throughout.
Once you close, your new terms go into effect immediately—so you can start seeing savings, improving your monthly budget, or gaining access to equity.
Reduce your interest rate, change your loan duration, or switch from an adjustable-rate to a fixed-rate mortgage to improve long-term savings.
Turn your built-up equity into cash for major expenses, such as home renovations, college tuition, paying down high-interest debt, or even down payment for a second property. This is ideal if you have significant home equity and want to maximize liquidity.
Bring cash to the closing table to reduce your loan balance. This could help you qualify for a better rate or eliminate mortgage insurance. It’s a smart move if you’ve built up funds in a savings account or deposit account.
Roll most or all of your refinance costs into the loan. Perfect for borrowers who want to minimize out-of-pocket expenses.
Homeowners aged 62+ can convert their home equity into tax-free income without selling their home. You still maintain ownership, and repayment doesn’t begin until you move out or sell.
Use your home equity to consolidate personal loans or credit card debt. This can dramatically lower your overall interest costs and monthly payments.
For homeowners in financial hardship, a short refinance may allow your lender to reduce the principal you owe and restructure the mortgage.
Best for: Moderate-income homeowners with conventional loans
Program Highlights:
Why It Matters:
RefiNow helps homeowners who may not traditionally qualify for conventional refinancing due to higher debt levels or lower income. It’s ideal if you’ve been consistent with your payments but your budget still feels tight.
Best for: Veterans, active-duty service members, and surviving spouses with an existing VA loan.
Program Highlights:
Why It Matters:
The VA IRRRL helps veterans lower their rate with minimal cost and effort. It’s especially useful when rates drop and you want to reduce your payment without jumping through hoops.
Best for: Homeowners with an existing USDA Rural Development loan
Program Highlights:
Why It Matters:
This option is perfect for homeowners in USDA-eligible rural or suburban areas who need a simpler path to lower payments. It’s one of the few refinance programs that doesn’t require a credit pull, making it ideal for families with stable income but less-than-perfect credit.
Do you want to lower your monthly mortgage payment?
Has your credit score improved since you bought your home?
Do you want to eliminate PMI or MIP?
Need cash for home improvement, tuition, or to pay off credit card debt?
Do you plan to stay in your home for several years?
Still have questions? We’re here to help you compare your options with no pressure.
We’ve successfully guided thousands of homeowners through the mortgage process.
Our experienced team speaks English and Spanish, ensuring clear communication every step of the way.
We don't believe in one-size-fits-all advice. Whether you’re working with limited credit or exploring 0% down options, we’ll help you find the loan that fits your life and goals.
Refinancing replaces your existing mortgage loan with a new one—often offering a better interest rate, lower monthly payment, or updated loan terms. It can also help you access home equity through a cash-out refinance.
Yes. Your monthly payment may decrease if you qualify for a lower interest rate or extend your loan term. Refinancing can also remove mortgage insurance in some cases, further reducing costs.
Many lenders allow refinancing after 6 months, but 12 months is more common. Your eligibility will depend on your credit score, debt-to-income ratio, and whether you've built enough equity in the property.
No. Refinancing replaces your current mortgage with a new one—often to get a better rate or change terms. A second mortgage is an additional loan on top of your existing mortgage, like a home equity loan or Home Equity Line of Credit (HELOC). You’ll make two payments if you have both. Keep in mind that both options may impact your escrow, including property tax and homeowners insurance adjustments.
