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Best Mortgage Refinance Companies in Port Saint Lucie, FL

Our Recommended Top 15

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Port St. Lucie 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.

113Reviewed

73Curated

15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

752 N US Highway 1, Tequesta, FL 33469

Expertise.com Rating

Review Sources

Google
4.9 (207)
Facebook
5.0 (51)

Why choose this provider?

Ideal Lending Solutions Jupiter is a mortgage business that assists Port St. Lucie homeowners in the refinancing process. Its loan officers create solutions for mortgage borrowers with goals like home renovation, debt consolidation, and interest rate reduction. They assess client needs and financial situations, provide home valuation estimates, and help them make informed decisions. The company has been operating for 14 years and gives back to local organizations such as Habitat For Humanity and Little Smiles Florida.

  • Reverse Mortgages

103 S US Highway 1, Jupiter, FL 33477

Expertise.com Rating

Review Sources

Facebook
5.0 (81)
Google
4.9 (49)

Why choose this provider?

Elite Lending Team is a Jupiter-based company that deals with clients throughout Port St. Lucie. It assists homeowners seeking to refinance their mortgages and helps them fulfill different goals, like decreased interest rates or lowered monthly payments. The company uses a variety of data—ranging from credit scores to estimated property values—to calculate the client's new mortgage terms. One of its team members, Danny Poulos, has been in the industry for over 30 years. He is the former co-host of the WPBF25 TV show "Real Estate Insiders."

  • Reverse Mortgages

919 SE Central Parkway, Stuart, FL 34994

Expertise.com Rating

Review Sources

Google
5.0 (24)

Why choose this provider?

Element Home Loans caters to residents of Port St. Lucie who need refinancing and loan choices. It rearranges existing obligations for owners of family homes and condominiums who wish to take advantage of more favorable terms and conditions. The team has reverse mortgages for aged individuals and programs fit for first-time real estate buyers. Element Home Loans was started by the sibling team of Pat and Joanne Zarro in 1993. It maintains online resources and calculators for clients’ educational use.

  • New Construction
  • Reverse Mortgages

1860 SW Fountainview Blvd, Suite 100, Port St Lucie, FL 34986
WebsiteLicense: 1901812

Expertise.com Rating

Review Sources

Google
5.0 (103)
Facebook
5.0 (8)

Why choose this provider?

Pelagic Mortgage serves individuals across Port St. Lucie and the neighboring areas. It assists individuals in refinancing their mortgage loans to help cash out their equity, lower monthly payments, and reduce interest rates, allowing them to reach their financial goals and needs. It also assists clients in choosing suitable loan options before purchasing their first or investment homes. These loan options include fixed- and adjustable-rate, super jumbo, FHA, USDA, and VA. Founder Jeff Register is a loan officer with 15 years of mortgage experience.

  • Reverse Mortgages

8000 S U.S. Hwy 1, Port St. Lucie, FL 34952

Expertise.com Rating

Why choose this provider?

Shirley Adams Financial Services, Inc., is a mortgage lender that offers various loans to Port St. Lucie clients. It provides refinance loans to owners of single-family and multi-family homes, as well as condos and townhouses. Other financing options include conventional, USDA, FHA, VA, and non-QM loans. The company was incorporated in 2010 and has originated some $45 million in loans. Val A. Shirley, the CEO and president, has been serving the community as a loan officer for more than a decade.

  • Commercial Loans

601 University Blvd #104, Jupiter, FL 33458

Expertise.com Rating

Review Sources

Facebook
4.9 (80)

Why choose this provider?

Family Mortgage Team provides home loans and refinancing options to clients in the Port St. Lucie metro and the surrounding communities. The company originates loans through conventional lenders and government-backed financing programs. Its team has more than 50 years of combined experience, comprising industry professionals prepared to tackle current complex mortgage challenges. The firm's president, Skip McDonough, has taken the time to understand the market and shares the knowledge with his team, enabling them to plan accordingly and maintain acceptable client terms.

  • Multi-Family Loans
  • New Construction
  • Reverse Mortgages

1874 SE Port St Lucie Blvd., Port St. Lucie, FL 34952

Expertise.com Rating

Review Sources

Google
4.6 (46)

Why choose this provider?

PRMG Port St. Lucie Branch helps individuals in the area who are considering the refinancing of their real properties. The company is a Ginnie Mae issuer that offers borrowers with a credit score of 550 FHA loan programs. It also provides reverse mortgages to make payments easier to deal with. The company has been in operation for over 20 years. Its team runs PRMG Cares, a non-profit foundation that supports the Wounded Warrior Project for veterans and the American Heart Association’s Go Red for Women project.

  • New Construction

10570 S. Us-1, Suite 102, Port St. Lucie, FL 34952

Expertise.com Rating

Review Sources

Facebook
4.9 (227)
Google
4.4 (32)

Why choose this provider?

Acopia Home Loans serves borrowers, home builders, and Realtors in Port St. Lucie. Its professionals strive to make home buying and mortgage refinancing a pleasant experience for borrowers by working with them as a team and educating them about the process. The company has 15 years of experience in the mortgage lending industry. It offers various loan options, including USDA, VA, and FHA loans. It also has its own specialty product, the Honoring Our Heroes loan program.

  • New Construction
  • Reverse Mortgages

Palm City, FL 34990

Expertise.com Rating

Review Sources

Google
5.0 (12)
Facebook
5.0 (6)

Why choose this provider?

Casabella Financial Services is a mortgage brokerage firm catering to the refinancing objectives of borrowers in Port St. Lucie. It helps homeowners refinance fixed-rate mortgages, ARMs, and conforming, jumbo, or FHA loans. Using online decision-making tools, the firm assists borrowers in comparing different loan programs and calculating payments and rates. Additionally, its team of professionals aids clients in navigating the refinancing process smoothly. Casabella Financial Services is a member of the Palm City Chamber of Commerce.

1201 U.S. Highway One Suite 330, North Palm Beach, FL 33408

Expertise.com Rating

Review Sources

Google
4.8 (132)
Facebook
5.0 (17)

Why choose this provider?

United Mortgage Corp. assists Port St. Lucie homebuyers in finding the best loan products. It offers clients various loan options tailored to their specific needs and is an approved FHA, VA, Fannie Mae, Freddie Mac, and Ginnie Mae lender. Its agents also offer USDA, fixed-rate, adjustable-rate, conventional, and second home loans. In addition, they help borrowers refinance existing loans and provide reverse mortgages for seniors at least 62 years old. The firm provides client-focused services, giving each customer personalized attention.

1186 SW Gatlin Blvd, Port St Lucie, FL 34953

Expertise.com Rating

Review Sources

Facebook
5.0 (60)
Google
4.9 (17)
Yelp
5.0 (1)

Why choose this provider?

Hometown Financial Services is a mortgage refinance company providing its service to the citizens of Port St. Lucie. The business specializes in refinancing and home purchase loans. Federal Housing Administration, Veterans Administration, USDA, jumbo, and conventional loans are among the types of loans offered. The organization also provides refinance services including streamline, cash out, and FHA 203k in addition to VA streamline and cash out, conventional, and jumbo. Hometown Financial Services, LLC also serves the surrounding areas in St. Lucie County.

  • New Construction

900 E. Indiantown Road, Suite 110, Jupiter, FL 33477

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Group One of Supreme Lending serves Port Saint Lucie by offering mortgage refinancing to help customers lower their monthly mortgage payments. The company offers jumbo, Home Possible, HomeReady, and Lock and Look loans. Its government loan offerings include FHA, USDA rural, and VA housing loans. It also provides conventional HomeStyle renovation, cash out refinance, and 203k FHA rehab loans. The company is an equal opportunity company that does not discriminate against age, race, gender, religion, or national origin.

  • New Construction
  • Reverse Mortgages

690 NE Jensen Beach Blvd, Jensen Beach, FL 34957

Expertise.com Rating

Review Sources

Google
4.9 (34)
Facebook
5.0 (8)

Why choose this provider?

Dreamline Mortgage works with buyers and investors who want to acquire investment properties in Port St. Lucie. Its team provides refinancing solutions to assist individuals and families in lowering interest rates and monthly payments, as well as changing loan terms. The company processes different types of mortgage programs, such as 15- and 30-year fixed-rate, adjustable, non-conventional, and balloon loans. It also provides jumbo and super jumbo and conforming mortgage loan options. Additionally, Dreamline Mortgage assists borrowers in improving their credit scores.

  • New Construction
  • Reverse Mortgages

945 SW Martin Downs Blvd., Palm City, FL 34990

Expertise.com Rating

Review Sources

Google
5.0 (43)

Why choose this provider?

Ryan Miller of Success Mortgage Partners provides various services to homebuyers and investors in Port St. Lucie. He assists individuals and families in obtaining their dream investment properties, paying off their mortgages early, and cashing out home equity through mortgage refinancing solutions. His programs include debt consolidation, FHA, USDA, and conventional loans, as well as loans for first-time home buyers. With his dedication to helping clients with their mortgage needs, he strives to make buying and refinancing a home a seamless and efficient process.

  • Multi-Family Loans

10380 South West Village Center Drive #109, Port St. Lucie, FL 34987

Expertise.com Rating

Review Sources

Google
5.0 (65)

Why choose this provider?

Treasure Coast Home Loans caters to residents of Port St. Lucie who are seeking out mortgage and refinance solutions. Its products include plans backed by the FHA and zero-down products for purchasers with limited personal savings. Selections aimed at first-time buyers and military service veterans are available. The team also refinances existing obligations. The company is staffed by personnel with more than 20 years of lending industry experience. Support is provided by the team 24/7.

  • New Construction

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Ideal Lending Solutions Jupiter
752 N US Highway 1, Tequesta, FL 33469
Elite Lending Team
103 S US Highway 1, Jupiter, FL 33477
Element Home Loans
919 SE Central Parkway, Stuart, FL 34994
Pelagic Mortgage
1860 SW Fountainview Blvd, Suite 100, Port St Lucie, FL 34986
Shirley Adams Financial Services, Inc.
8000 S U.S. Hwy 1, Port St. Lucie, FL 34952
Family Mortgage Team
601 University Blvd #104, Jupiter, FL 33458
PRMG Port St. Lucie Branch
1874 SE Port St Lucie Blvd., Port St. Lucie, FL 34952
Acopia Home Loans
10570 S. Us-1, Suite 102, Port St. Lucie, FL 34952
Casabella Financial Services
Palm City, FL 34990
United Mortgage Corp.
1201 U.S. Highway One Suite 330, North Palm Beach, FL 33408
Hometown Financial Services
1186 SW Gatlin Blvd, Port St Lucie, FL 34953
Group One of Supreme Lending
900 E. Indiantown Road, Suite 110, Jupiter, FL 33477
Dreamline Mortgage
690 NE Jensen Beach Blvd, Jensen Beach, FL 34957
Ryan Miller
945 SW Martin Downs Blvd., Palm City, FL 34990
Treasure Coast Home Loans
10380 South West Village Center Drive #109, Port St. Lucie, FL 34987

FAQs

  • Introduction

    Refinancing a mortgage can be a complicated process, and hiring a mortgage refinancing broker can make it simpler and faster. There are several things you can do to protect your interests and help your broker complete the process for you.

    Check a potential broker’s online reviews to find one with a good reputation. In addition to the opinions of past clients, check to see if a broker has an online portfolio, which can support the reviews you find from past clients to show a broker’s trustworthiness. This can also help you establish if a broker has handled financing for properties similar to yours.

    Get a written summary of a broker’s rates before committing so you know exactly what hiring your chosen mortgage refinance broker will cost. Find out which lenders work with your broker and what information they need to successfully refinance your mortgage.
  • Can people refinance a loan in Port St. Lucie to revamp their homes?

    Yes, homeowners may apply for a cash-out refinance mortgage in Port St. Lucie to revamp their houses. The cash-out refinance converts the home equity into cash, which people may use for their specific goals, such as updating a home, boosting investment portfolios, funding college savings accounts, or purchasing a second home or a new car.

  • Is an appraisal necessary when refinancing in Port St. Lucie?

    Yes, before starting the refinancing process, lenders may ask homeowners in Port St. Lucie to provide a current, comprehensive appraisal of the worth of their houses. An appraisal aids lenders in determining the equity that borrowers have in their homes by comparing the worth of the home to nearby comparable home sales.

  • Can a home loan in Port St. Lucie be refinanced without an appraisal being scheduled?

    A Property Inspection Waiver can be used to refinance a home loan in Port St. Lucie without the need for an appraisal. The mortgage lender may consent to a waiver of the property appraisal during a mortgage application, helping borrowers to save money. Fannie Mae initially launched this appraisal waiver program in 2017.

  • Is it required to pay the mortgage insurance when applying refinance loan in Port St. Lucie?

    Private Mortgage Insurance becomes necessary when borrowers refinance an existing mortgage in Port St. Lucie with less than 20% equity, making them a higher-risk borrower. PMI serves as financial protection for the lender if the borrower struggles to make mortgage payments, potentially leading to a short sale or foreclosure of the property.

  • What sorts of expenses may borrowers in Port St. Lucie expect when they apply for a mortgage refinance?

    Borrowers who are looking to replace or refinance a loan in Port St. Lucie should prepare to spend money to cover the mortgage closing costs, which include the origination fee, title insurance, credit reporting fees, and appraisal costs. These expenses frequently total 2% to 6% of the overall loan amount.

  • How do you refinance a mortgage?

    Decide why you’re refinancing, such as to get a lower interest rate, pay off your loan faster, or to get a lower monthly payment. Share your credit information with your broker along with information about the equity you have in your home. Review your mortgage refinance broker’s quotes and choose the best loan terms.