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Mortgage Refinance

We make it easy to get the lowest mortgage refinance interest rate in your area.

Our loan specialists can customize a loan that is perfect for your needs. In no time at all you can be on the way to a lower interest rate, a lower monthly payment, or switching from an adjustable rate mortgage to a fixed rate mortgage.

When Should I Refinance?

The best time to refinance is when interest rates in your area drop below the rate of your current mortgage. With a lower interest rate, you'll save money on your mortgage payment every month. Be sure to read our article titled Reasons to Refinance Now.

Turn Your Adjustable Rate into a Fixed Rate:

With adjustable rates on the rise you can benefit greatly from refinancing your home for a low fixed rate. These benefits include a lower monthly mortgage payment, and the security of knowing your mortgage payment won't increase.

Cash-Out Refinancing:

Using the equity in your home, you can refinance your mortgage for a higher amount than your current principal balance and receive the extra funds as cash. You can use this money however you would like, including, remodeling your home, paying off high-interest rate credit cards, paying off student loans, or consolidating all your debt. How much cash out you can receive by refinancing depends largely upon the principal balance remaining on your mortgage and the amount of equity in your home.

Eliminate PMI:

Private Mortgage Insurance is usually required if your down payment on your home was less than 20 percent. If your home equity has increased since your purchase, you may have enough equity to eliminate that PMI payment by refinancing your mortgage.

Save Thousands in Interest:

When you refinance your home you can decide to switch your mortgage to a shorter term, such as 10, 15, or 20 years. Depending on how much lower the refinance rate is, you will likely pay more per month for this shorter term home loan. However, in the long-term you are saving thousands in interest. And because more of your monthly mortgage payment goes towards the principal, your home equity will increase much quicker.

Mortgage Refinance Calculators

Mortgage Payment Calculator
Refinance Savings Calculator
Refinance APR Calculator
Refinance Points Calculator  

Refinance Articles

Reasons to Refinance Now
Beat the Subprime Mortgage Crisis  

Local mortgage refinance directory for FL :
A B C D E F G H I J K L M N O P Q R S T U V W X Y Z
Alachua Alva Apopka Astatula
Alford Anna Maria Arcadia Astor
Altamonte Springs Anthony Archer Atlantic Beach
Altha Apalachicola Argyle Auburndale
Altoona Apollo Beach Aripeka Avon Park
Alturas

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Florida News
House committee passes property-insurance proposal

TALLAHASSEE -- A proposal to allow property-insurance companies to raise homeowners rates without regulatory approval passed a first House committee Wednesday and was amended to include much of an insurance industry wish list.


Things (mostly) looking up for Space Florida in Tallahassee

Brevard County , Budget , Space Florida - posted by robert block on March, 18 2010 1:29 PM Reports from Tallahassee say that Space Floridaa s agenda is getting good treatment at the hands of state lawmakers and that signs are the aerospace development agency could get most of the $32.6 million Gov.


Florida activists look beyond proposed "family values" movie tax break proposal

State Rep. Stephen Precourt's "family values" movie tax credit proposal has sparked widespread ridicule, but Florida activists continue to look beyond the Republican lawmaker's bill.


The Florida Lottery Warns Citizens of E-mail Scam

The Florida Lottery is warning citizens of a new e-mail scam that seems to be circulating throughout the nation.


Pill Mills Major Contributor To Prescription Drug Epidemic

A bill by Sen. Dave Aronberg, D-Green acres, would require that owners of pain clinics be doctors with no history of disciplinary action by the Board of Medicine or the Board of Osteopathic Medicine, and that only licensed physicians or pharmacists dispense medication. Legislators should approve that measure and consider recommendations by a Broward County grand jury that the state prevent pain clinics from both prescribing and selling pills on-site, limit patients to 100 per clinic and limit prescriptions to a three-day supply. Legitimate pain sufferers can get prescriptions that last longer from a regular pharmacy.


Florida House poised to end wrongful death statute of limitations
Coral Springs man's death prompted family's push to change law

Jeffrey Klee's mother and sister made a visit this week to the canal where his remains were found, just off Riverside Park in Coral Springs. The spot has changed quite a bit since 1977, when his body was dumped there. And now, the law that kept his admitted killer from facing a judge is on the verge of changing, too.

The Florida House is poised to pass a bill (HB1) that will lift the state's two-year statute of limitations on wrongful death claims. The family has been on a two-year quest to pass the law, which would bear Jeffrey Klee's name. If approved, the bill would allow families to file a civil suit in cold cases similar to the Klees', in which the killer - or even the body - isn't discovered until years after the crime. The law applies only to future cases, so the Klees won't benefit financially.

"It's the thought that no family will ever have go through this again," Jeffrey's mother, Flossie Klee, said. "That sense of not being able to receive any retribution is wiped out." While the proposed law would apply to civil cases, the Legislature already voted in 1996 to remove the statute of limitations on criminal murder cases. Even that didn't help the Klees, because Florida had a three-year timeframe to file criminal charges at the time of Jeffrey disappearance in 1977. Last year, the House unanimously passed the wrongful death bill, but it stalled in the Senate.


Broward mayor offers support in congressional race

Broward County Commissioner Ken Keechl is endorsing Scott Galvin in the crowded Democratic primary field in the 17th Congressional District.


Legislation encourages improvements to Florida's ports to be ready for Panama Canal expansion

A pair of bills aimed at reshaping the state ports to prepare for the expansion of the Panama Canal picked up steam Wednesday, with Gov.


FEMA says no Florida request for drywall

A FEMA official says the state's request doesn't meet the federal criteria for an emergency or major disaster.


Crist Says Florida Ports Need To Be More Competitive

Gov. Charlie Crist says Florida is missing the boat when it comes to the competitive standing of its ports.


Recommend

Florida last year taxed motorists' wallets. Now, it's taxing their patience. The Legislature in 2009 dramatically raised a wide range of fees collected by the Department of Highway Safety and Motor Vehicles.


Crist in D.C. seeking Florida school, space money

Charlie Crist is seeking more federal money for the space program and Florida's schools.


Encore Bank sells Florida assets

The St. Petersburg Times today is reporting Houston-based Encore Bank is pulling out of the Florida market, selling six offices on Florida's West Coast to different investor groups.


Ex-coach Dungy speaks to inmates in South Carolina

Tony Dungy stood before more than 1,700 prisoners Tuesday, sharing a smile and message of hope that has become his life's work.


McCollum Wants To Sue Feds Over Health Care Bill

Attorney General Bill McCollum and four state agencies are working to show how costly the federal health care bill would be and he's asking his peers around the country to help him sue the federal government.


Mass attack on pill mills: If all bills don't pass, enough may for this year

The Legislature is considering several bills to regulate pain clinics, a welcome sign that lawmakers are serious about ending Florida's dubious distinction as America's "pill mill." Two of the bills - one sponsored by Rep.


Adoption For All Press Conference

More than 2,000 children in Florida are awaiting adoption, and half of them have no family members able to provide them care.


N.C.-based Marine from Florida killed in Afghanistan

A North Carolina-based Marine from Florida has been killed in combat in Afghanistan.


Rubio defends committee spending

Florida Senate candidate Marco Rubio defended himself Monday after a news report revealed that two political committees he started while serving in the Florida House spent heavily on operating costs and payments to relatives, but did little to help other Republicans seeking office.


Open Government Common Thread In Campaign For Governor

Two gubernatorial candidates are praising Florida's open government laws. Democrat Alex Sink, the chief financial officer, and Republican state Sen.


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