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Need help contacting a Mortgage Refinance Company in Jacksonville? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.
2026
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Our goal is to connect people with the best local professionals. We scored Jacksonville mortgage refinance companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.
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Need help contacting a Mortgage Refinance Company in Jacksonville? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.
Agave Home Loans helps current homeowners obtain a mortgage refinance in Jacksonville. It guides clients in exploring options from hundreds of providers and choosing suitable loans for their needs, such as home renovation projects. Its agents inform individuals about switching to fixed-rate from adjustable-rate mortgages. They also work closely with underwriters to process loan documents and deliver mortgage application results in several hours. Co-owner Marshall Gottlieb worked for a large mortgage lender as a senior director of mortgage banking.
Future Home Loans is a mortgage refinancing company that serves clients in the Jacksonville area. It offers a range of loan programs, such as FHA, fixed-rate mortgages, interest-only mortgages, and VA, to meet customers' mortgage and refinancing goals. Its other loan options include balloon, reverse, and adjustable-rate mortgages. Many of the firm's staff have served in the US military. One of them is Jason Braswell, who served during Operation Iraqi Freedom & Enduring Freedom from 2003 to 2006.
Coastline Home Mortgage LLC is one of the premier mortgage refinance lenders in Jacksonville. It provides home mortgage refinancing solutions so homeowners can obtain cash-out funds, lower monthly payments, or switch from ARM to FRM terms. Its loan officers work directly with customers to ensure they select the best loan options for their unique situations. Coastline Home Mortgage handles everything from prequalification to closing. It also offers home equity as well as construction and land loan options.
Lending Hand Mortgage Corp. is a mortgage company with an office in Jacksonville. It provides clients with a variety of mortgage solutions, ranging from mortgage refinancing to new construction loans. When refinancing mortgages, its staff can help clients restructure factors such as monthly payments or interest rates. In addition, they can help clients switch companies as part of the mortgage refinancing process. Lending Hand Mortgage Corp. supports charitable organizations such as the Live for Today Foundation and Autism Speaks.
Florida Mortgage Corp helps clients in Jacksonville buy or refinance their homes. It offers different types of mortgage programs, including FHA, VA, USDA, and jumbo loans. Clients have the option to pay mortgages at a traditional fixed or adjustable rate, interest-only, or graduated payment terms. The loan process involves helping clients determine the amount of money they are allowed to borrow and select the right loan program that matches their present condition and future financial goals.
Coast2Coast Mortgage is a Jacksonville company lending in 42 states Coast2Coast! We have partnered with over 150 Lenders, banks, credit unions, and even private money lenders to help you achieve your financing goals. We lend on residential and commercial projects. From first time buyers, to move up buyers, to Fix and Flip Loans and Investor loan programs. We even have a special niche for Air BNB / Short term lending program. Have a unique loan need? Need a no income verified loan? We may be able to customize a loan product specific to you.
Kristine Kennedy is a senior mortgage specialist at Success Mortgage Partners Inc. who has closed over $267 million in loans over the past 24 years. The mortgage refinance company in Jacksonville can offer many products to homeowners who want to reduce their monthly payments, release equity on their homes, or reduce their mortgage term. As well as conventional loans, Ms. Kennedy and her team can arrange FHA, VA, USDA, Condo, and jumbo loans.
FL's Best Reverse Mortgage Co serves the needs of senior homeowners in the Jacksonville metro and surrounding communities. It provides a variety of reverse mortgage solutions, including reverse purchase, HECM-to-HECM refinancing loans, and jumbo reverse mortgages. Its professionals provide consultation and counseling services, process loan applications and documentation, submit loans for underwriter approval, and assist with post-closing and funding. Brian Correa, the company's president, has been in the consumer and residential finance industry for over 20 years.
First Look Home Loans is a team of mortgage brokers serving Jacksonville and the surrounding locations. They help clients apply for home refinance loans such as conforming, super jumbo, and fixed-rate mortgages, whether to reduce monthly payments or change mortgage terms. They also provide loan products for homebuyers, including government-backed programs such as VA, USDA, and FHA loans. Eric Williams, one of the company's managing partners, has nearly two decades of experience in real estate finance and mortgage.
Mortgage Management, LLC, serves homebuyers and homeowners in Jacksonville. The mortgage company offers jumbo, FHA, USDA, VA, and conventional, and refinancing loans. Its team assists homeowners with mortgage refinancing for different purposes, including getting a cash-out, better interest rates, and shorter loan terms. The company also has loans for clients buying a home for the first time. In addition to finding loan options that fit the client's needs, its team helps find solutions to difficulties that come up during the loan application.
Prodigy Home Loans is a lending company that serves customers in Jacksonville and the surrounding areas. It offers a portfolio of mortgage lending options, such as refinance, FHA, VA, conventional, and jumbo loans. In addition, it provides renovation, condominium, agricultural, and modular home loans. Reverse mortgage and land financing are also available. The company has been in the mortgage industry since 1999. It is a member of the Florida Association of Mortgage Professionals and the Northeast Florida Association of Realtors.
First Down Mortgage serves property owners in Jacksonville and nearby areas. The firm offers a variety of services, such as rate reduction refinance, debt consolidation, and cash-out equity refinance. Its team of loan officers shops a variety of mortgage lenders to offer clients customized loan options. They help customers in submitting their income, pertinent credit, and asset documents. They collaborate with real estate agents in assisting homeowners throughout the process of home buying and refinancing.
TrustLine Mortgage is a full-service firm that caters to the needs of Jacksonville customers. The firm assists new home buyers and relocating clients in selecting from mortgage financing programs such as VA, FHA, jumbo, and conventional loans. It also guides homeowners in refinancing current mortgages or upgrading to larger properties. TrustLine Mortgage has been in the business since 1989. One of its professionals, William Pappas (NMLS# 218443), is a member of the Jacksonville Chapter of the Florida Association of Mortgage Professionals.
Founded in 2000, North Star Mortgage Network, Inc., is an independent mortgage brokerage based in Jacksonville led by Nathan Young. With more than 25 years of experience, Nathan and his team specialize in mortgage refinancing, including cash-out and rate-and-term options, alongside FHA, VA, USDA, Conventional, Non-QM, and Construction loan programs. The brokerage also assists clients with Down Payment Assistance and Manufactured Home loans. North Star Mortgage Network is a two-time Five-Star Award winner and has been featured in CBS News and Mortgage Professional America.
DynaCred provides services to clients in the Jacksonville metro. It helps individuals refinance their existing mortgage loans to use their equity for home improvements, shorten their loan terms, and lower their monthly rates. It also guides homeowners needing cash-out refinance services to use their home value for upcoming expenses. The company carries various loan programs, including FHA and VA streamline loans with 15, 20, and 30 years term options. DynaCred also serves clients who wish to apply for mortgage loans to purchase new homes.
Sharp Mortgages, Inc. is a full-service mortgage company that services clients in Jacksonville and its neighboring communities. It has been in business for more than 31 years and offers a wide variety of mortgage solutions for clients looking into buying a home or refinancing their current one. Some of the loans offered include FHA loans, VA loans, USDA loans, HomePath loans, jumbo loans, and conventional loans. Additionally, refinancing options include FHA Streamline, FHA 203k, VA Cash-Out, and USDA Streamline.
Watson Mortgage Group has more than 25 years of experience finding refinance loans that help homeowners pay less every month or shorten the term of their mortgage. Its conventional loans require a minimum credit score of 620 and can be taken over 15, 20, and 30 years. Veterans are eligible for up to 100% financing with the group's VA loans, while lower-income homeowners with credit scores above 580 can apply for its FHA mortgages.
Several scenarios may lead Jacksonville homeowners to contemplate mortgage refinancing, including the need to lower their monthly mortgage payments. Another motive could be the consolidation of high-interest debts into a single, more manageable monthly payment, aiming to enhance credit scores. Additionally, refinancing has the potential to shorten loan durations, resulting in reduced interest payments without causing a significant change in the monthly mortgage payment.
In Jacksonville, as well as the rest of the state of Florida, cash-out refinancing entails a slightly higher mortgage rate compared to the standard rate. The interest rates are also contingent on the credit scores of borrowers and the amount of funds they intend to cash out. Typically, refinancing allows homeowners to take out as much as 80% of their home equity. Replacing an existing mortgage can also result in a new home loan that exceeds the size of the previous one.
Jacksonville residents who are looking to save money by refinancing their existing mortgages can calculate the total cost of the refinance and determine the break-even period by calculating the monthly savings and dividing them by the total refinance cost. Should their duration of home ownership surpass this calculated timeframe, opting for refinancing would result in financial savings. Given the complex nature of refinancing, homeowners are advised to seek guidance from a mortgage expert.
Through a 30-year amortization refinance, Jacksonville homeowners have the potential to accumulate savings of as much as $18,908 throughout the duration of their mortgage. This translates to a monthly reduction of $53. Various lenders in the region consider a range of refinance loan possibilities, such as HELOCs, short-term home refinancing, and positive equity refinancing, to help borrowers attain monthly savings from mortgage refinancing.
One of the primary benefits of a cash-out refinance is that it allows Jacksonville homeowners to access a lump sum of cash from their home's equity. This money can be used for various purposes, such as home improvements, debt consolidation, or medical bills. The money obtained from a cash-out refinance can also serve as an emergency fund or a cash reserve for unexpected expenses.

In this step-by-step guide for the mortgage refinance process, we will break down the steps you should take to have the smoot...