Why choose this provider?
Need help contacting a Mortgage Refinance Company in Orlando? 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
Last updated:
Our goal is to connect people with the best local professionals. We scored Orlando 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.
133Reviewed
85Curated
13Top Picks
Learn about our selection process.
Need help contacting a Mortgage Refinance Company in Orlando? 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 assists Orlando-based clients with their refinancing needs. It helps clients convert existing equity to be used for other purposes, such as home remodels and college tuitions. This is also an option available to those planning to change the terms of their loans and make payments more predictable. The company uses a software application that goes over the loan options offered by more than 50 lenders in the United States. Agave Home Loans also helps first-time homebuyers and military families.
Jay Zerquera assists clients in Orlando. He offers refinancing solutions, which aim to lower the customers' mortgage payments, consolidate their debts, and reduce loan terms. In addition, he helps clients purchase homes by teaching them about borrowing and interest complexes. He handles renovation mortgages by improving home projects through comprehensive loaning. Zerquera serves as a vice president for FBC Mortgage, LLC. The firm has more than 1,000 employees and has filed more than $25 billion funded loans.
Angel Oak Home Loans is a mortgage refinance company that serves residents in Orlando and communities in more than 20 states. It offers a variety of traditional and non-traditional mortgage products tailored to meet every client's individual home financing requirements. Its professionals guide their clients through the loan process because they understand their unique needs. The company's lending approach falls into two platforms—retail and consumer direct. Both models are designed with customer service in mind for quick closing.
Embrace Home Loans serves clients in the Orlando area. Its team of mortgage professionals works with property owners to provide mortgage refinancing solutions that help them obtain lower rates and monthly payments, cash out their mortgages to make large purchases, or consolidate their debts. The company offers a variety of mortgage products, including FHA loans, jumbo loans, and VA loans. Embrace Home Loans was named the #1 Large Mortgage Company for customer satisfaction by Social Survey.
Absolute Home Loan Services LLC provides options for home mortgage refinance in Orlando. It offers a variety of solutions for refinancing, including conventional, fixed-rate, and adjustable-rate mortgages. Additionally, the company offers jumbo loans, which exceed Fannie Mae and Freddie Mac's conventional loan limits, as well as FHA loans and VA loans for veterans. The team at Absolute Home Loan Services LLC is dedicated to working with clients to tailor mortgage refinancing solutions to their specific goals and needs.
My Florida Mortgage Solutions serves customers in Orlando. It provides mortgage refinancing solutions and a variety of loan programs, such as USDA, HARP, jumbo, and FHA home loans. It offers reverse mortgage loans, custom loan terms, and VA home purchase loans. It has different types of loans, which include third-year fixed-rate mortgages, hybrid arms, and adjustable-rate mortgages. Zuleika Romo, the firm's senior loan originator, has over 15 years of experience in the mortgage and real estate industries.
Mortgage Financial Group, Inc., serves clients in the Orlando metro and the surrounding communities. It offers several mortgage refinancing options for single-family and multi-family homes, condominiums, townhomes, and manufactured homes. It has a team of advisers who can accommodate individuals with low or moderate credit ratings. Clients can also take advantage of the company's loan programs if they plan to purchase vacation homes or investment properties. Additionally, Mortgage Financial Group has reverse mortgage services and new home purchase mortgages.
Justin Davis is a Nations Lending personal mortgage advisor serving Orlando. Whether helping clients buy their first homes, sell current ones, or refinance their mortgage, he assists them in achieving their goals by providing them with custom-tailored financial solutions. Depending on their needs, he offers a variety of loan options such as arm, conventional, harp, FHA, USDA, and VA. A previous client commended Justin for keeping him updated with the process and helping him buy his house in 30 days.
Evolution Mortgage Loans, LLC, offers its services within the Orlando area and its surrounding localities. It assists individuals and families in securing home equity and refinance mortgage loans for properties that have already been recapitalized, in order to pay off debt or reduce interest rates. It also provides options for fixed-rate and adjustable-rate mortgages, as well as VA, FHA, and jumbo loans. In addition, it caters to prospective home and business owners who are looking to finance the construction of their properties.
JD Lending Group, Inc., provides mortgage brokering services for clients in Orlando and other nearby communities. Its staff assists individuals and families in determining their qualifications for securing refinancing options for the funding of house remodeling, college tuition, or business endeavors while lowering monthly payments and interest rates. It also caters to first-time homebuyers or those looking to purchase investment homes through its FHA and USDA loan packages. The firm is partnered with at least 20 lenders throughout the country for its services.
American Mortgage is a firm catering to the residential and commercial needs of Orlando. The company compares mortgage plans from over 300 lenders to assist homeowners in refinancing their current mortgage and potential homebuyers in financing their purchases. Its professionals guide clients in choosing from a variety of loan types including Fannie Mae and Freddie Mac, USDA, FHA, and VA loans. American Mortgage's team has more than 50 years of combined experience. It has served over 196,000 clients.
Kohler Mortgage LLC assists clients in Orlando and its nearby areas in refinancing and securing loans. The firm helps homeowners change their current mortgage program while minimizing the paperwork involved. It also matches home buyers with loan products that fit their financial objectives. The company has access to a range of programs, from 15- to 30-year fixed and adjustable-rate mortgages to conventional, FHA, and VA loans. Kohler Mortgage has been serving the community since 2003.
As of August 2023, the annual percentage rate for a 30-year fixed-rate mortgage in Orlando is 7.258%. Meanwhile, the rate for a 15-year fixed mortgage is 6.285%, and 5.930% for 10-year fixed mortgages. These are lower than the rates for adjustable-rate mortgages, which is 7.924% for 7-year ARMs and 7.908% for 5-year ARMs.
In order to determine the remaining equity of a property in Orlando, the loan amount is divided by the property’s appraised value. The resulting percentage indicates one’s remaining equity. For example, a property with an appraised value of $200,000 and a loan amount of $160,000 has 20% of the remaining equity.
While jumbo mortgages in Orlando can be refinanced, its large loan amounts may lead to stricter underwriting guidelines. Homeowners might need higher credit scores, with at least 680 for conventional and conforming loans and 620 for FHA and VA loans. In addition, one’s debt-to-income ratio may need to be as low as 36% to 40%.
There is no limit to how many times homeowners in Orlando are permitted to refinance their mortgages, so long as they meet the lender’s requirements. Factors that will be taken into consideration include one’s credit score, income, accumulated debt, and the overall value of their home. In addition, there will typically be a six-month wait between refinances.
Those in Orlando who wish to refinance their mortgages will have to pay up-front costs such as credit report and appraisal fees in order to initiate the process. They will also have to cover various closing costs, including lender fees, title company or attorney fees, Orange County recording fees, and Florida taxes.

This page will walk you through practical ways to lower your interest rate if you decide to refinance.