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Best Mortgage Refinance Companies in Port St. Lucie, FL

Our Recommended Top 13

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.

106Reviewed

68Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Mortgage Refinance Companies Serving Port St. Lucie
354 Cypress Drive, Unit 3, Tequesta, FL 33469
Visit WebsiteLicense: 217794

Expertise.com Rating

Review Sources

Google
4.9 (111)
Facebook
5.0 (12)

Why choose this provider?

Joshua Ulmer is a mortgage banker who offers services for clients in the Port St. Lucie metro. He has over a decade of experience helping people finance a new home or refinance an existing one. He provides a variety of residential loan programs, including first-time home buyer programs, low down payments, debt consolidation, investment properties, home improvement loans, and niche lending programs. In addition, Joshua Ulmer uses a variety of media outlets to inform and advise prospective customers.

  • New Construction

Best Mortgage Refinance Companies Serving Port St. Lucie
900 E. Indiantown Road, Suite 110, Jupiter, FL 33477
Visit WebsiteLicense: 2129

Expertise.com Rating

Why choose this provider?

Group One of Supreme Lending serves clients in Port St. Lucie. It helps them pay their current mortgage balance and use their equity for other expenses by offering cash-out refinancing. Rate-term option that reduces their interest rate and the overall term is also available. Other programs offered include 203(k) rehab, conventional, USDA, FHA, and VA loans. Additionally, its team can provide assistance on credit programs for primary residences, secondary properties, and condominiums. Supreme Lending was established in 1999.

  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Port St. Lucie
1860 SW Fountainview Boulevard, Suite 100, Port St. Lucie, FL 34986
Visit WebsiteLicense: 183215

Expertise.com Rating

Review Sources

Facebook
4.9 (163)
Google
5.0 (5)

Why choose this provider?

Homespire Mortgage serves homeowners in Port St. Lucie. It assists in securing a refinancing loan tailored to their goals, from lowering monthly payments and consolidating debt to cashing out on equity. It also offers purchase loans, including FHA, VA, and Jumbo. Homespire Mortgage strives to deliver a hassle-free and timely loan closing by providing each client with a personal loan consultant and originating, processing, and underwriting loans in-house. National Mortgage News has recognized it as one of the Best Companies to Work For.

  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Port St. Lucie
945 SW Martin Downs Blvd., Palm City, FL 34990
Visit WebsiteLicense: 363649

Expertise.com Rating

Review Sources

Google
5.0 (43)
Facebook
5.0 (10)

Why choose this provider?

Senior loan officer Ryan Miller of The Miller Mortgage Team caters to clients in Port S. Lucie. He delivers flexible refinance solutions to accommodate his customers' different financial situations. He also aids them in building, purchasing, and improving a residential property through options like FHA and jumbo loans, self-employed homebuyer mortgages, and loans for first-time homebuyers and active-duty or veteran military service members. Miller has been working with Success Mortgage Partners for over five years.

  • New Construction
  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Port St. Lucie
1186 SW Gatlin Blvd., Port St. Lucie, FL 34953
Visit WebsiteLicense: 1041632

Expertise.com Rating

Review Sources

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

Why choose this provider?

Hometown Financial Services guides clients in Port St. Lucie through the mortgage process. One of the company's services involves helping clients reduce their monthly mortgage payments through refinancing. It also helps clients who are looking for a cashout. Its mortgage rate options include fixed rate, adjustable ARM, interest only, and graduated payments. For home purchase loans, it offers assistance in FHA, VA, USDA, and jumbo programs. Michelle Durant founded the full-service company with the goal of guiding families in making the right mortgage decisions.

  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Port St. Lucie
690 NE Jensen Beach Blvd, Jensen Beach, FL 34957
Visit WebsiteLicense: 362288

Expertise.com Rating

Review Sources

Google
4.9 (34)
Facebook
5.0 (8)

Why choose this provider?

Dreamline Mortgage assists homebuyers in Port St. Lucie and nearby cities with securing residential mortgage loans. It helps people with refinancing and getting money from their home equity to use for personal purposes. The firm has a unique set of products that most banks and credit unions do not have or do not offer, such as FHA, VA, conventional, conforming, and non-conforming mortgage loans. Dreamline Mortgage utilizes the latest technology to stay current in the mortgage advisory market.

  • New Construction
  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Port St. Lucie
601 University Blvd # 104, Jupiter, FL 33458
Visit WebsiteLicense: 189233

Expertise.com Rating

Review Sources

Facebook
4.9 (85)

Why choose this provider?

Family Mortgage Team assists customers in Port St. Lucie with home purchases and mortgage refinancing. It maintains an online platform that allows customers to pre-qualify for a home loan and investigate various financing options using interactive calculators and various mortgage situations. Family Mortgage Team's professionals have over 50 years of combined experience. Skip McDonough, the manager, and his team strive to meet the specific needs of their clients by offering a wide range of products, investment tools, and mortgage programs.

  • New Construction

Best Mortgage Refinance Companies Serving Port St. Lucie
1201 U.S. Highway One, North Palm Beach, FL 33408
Visit WebsiteLicense: 1330

Expertise.com Rating

Review Sources

Google
4.8 (132)
Facebook
5.0 (17)

Why choose this provider?

United Mortgage Corp. offers its services to the Port St. Lucie area. Its mortgage services include FHA loans, VA loans, USDA loans, conventional mortgage loans, and investment property mortgage loans. It also provides reverse mortgage loan options to seniors aged 62 and above. Mortgages for Heroes are also offered for retired or working individuals in the field of military, government, medical, education, and law enforcement. United Mortgage Corp. is approved by the Veterans Administration and Federal Housing Administration.

  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Port St. Lucie
481 SW Port St. Lucie Blvd., Suite A, Port St. Lucie, FL 34953
Visit WebsiteLicense: 373290

Expertise.com Rating

Review Sources

Google
5.0 (24)

Why choose this provider?

Mortgage Masters Group in Port St. Lucie has been serving the community and the surrounding areas for over two decades. It offers different options for refinancing loans, including conventional, FHA, VA, USDA, and reverse mortgages. Its lending services extend to vacation, investment, and rental properties, as well as other loans for purchasing, construction, and HELOC. Senior managers Doug and Sandi Kent work as a team, consulting and cultivating relationships with their clients through consistent updates and communication.

  • New Construction
  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Port St. Lucie
103 S US Highway 1, Jupiter, FL 33477
Visit WebsiteLicense: 133260

Expertise.com Rating

Review Sources

Facebook
5.0 (97)

Why choose this provider?

Elite Lending Team has mortgage refinancing services for clients in Port St. Lucie and the surrounding areas. Its staff also assists individuals in selecting loan programs, such as VA, USDA, and FHA, that fit their needs and preferences. Danny Poulos, the senior loan originator, has been featured on ABC-TV News as a commentator and WPBF25 as a co-host of the Real Estate Insiders morning show. Elite Lending Team has been serving the community for over 30 years.

  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Port St. Lucie
10380 South West Village Center Drive #109, Port St. Lucie, FL 34987
Visit WebsiteLicense: 2063586

Expertise.com Rating

Review Sources

Google
5.0 (65)

Why choose this provider?

Treasure Coast Home Loans serves clients in Port St. Lucie. The company assists homeowners through the mortgage refinancing process to help them lower their interest rates. It takes into consideration the client's assets to calculate their new rates. The company also helps first-time homebuyers qualify for mortgage programs backed by the FHA and VA, as well as conventional loans. Edgar DeJesus, its branch manager, posts educational content on topics like real estate industry trends on social media accounts.

  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Port St. Lucie
1860 SW Fountainview Blvd, Suite 100, St Lucie, FL 34986
Visit WebsiteLicense: 1901812

Expertise.com Rating

Review Sources

Google
5.0 (103)
Facebook
5.0 (8)

Why choose this provider?

Pelagic Mortgage attends to the financing needs of locals in Port St. Lucie. It provides home purchasing and refinancing services to help clients acquire their dream homes. Its team handles refinancing matters concerning fixed rates, adjustable rate mortgages, conforming loans, jumbo and super jumbo loans, FHA, and VA loans. It also assists clients who have inquiries regarding USDA loans. Its site features a virtual refinance rate checker to provide an idea of what refinancing option is suitable considering a client's current capacity.

  • New Construction
  • Reverse Mortgages

Best Mortgage Refinance Companies Serving Port St. Lucie
725 N. HWY A1A, Suite C 118, Jupiter, FL 33477
Visit WebsiteLicense: 1954321

Expertise.com Rating

Review Sources

Google
4.7 (43)
Facebook
5.0 (19)
Yelp
4.4 (5)

Why choose this provider?

Celebrity Home Loans is a mortgage brokerage firm that works with people in and around Port St. Lucie. Its refinancing programs allow borrowers to shorten their current loan terms, reduce monthly payments, and consolidate debt. Some of its refinancing options include fixed-rate, cash-out, and FHA streamline loans. The company also offers home purchase loans, such as ARM, FHA, VA, USDA, Jumbo, and Reverse. The firm—which is a subsidiary of Midwest Equity Mortgage, Inc.—has been serving clients across 48 states since 2006.

  • New Construction

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Joshua Ulmer
354 Cypress Drive, Unit 3, Tequesta, FL 33469
Group One of Supreme Lending
900 E. Indiantown Road, Suite 110, Jupiter, FL 33477
Homespire Mortgage
1860 SW Fountainview Boulevard, Suite 100, Port St. Lucie, FL 34986
Ryan Miller
945 SW Martin Downs Blvd., Palm City, FL 34990
Hometown Financial Services
1186 SW Gatlin Blvd., Port St. Lucie, FL 34953
Dreamline Mortgage
690 NE Jensen Beach Blvd, Jensen Beach, FL 34957
Family Mortgage Team
601 University Blvd # 104, Jupiter, FL 33458
United Mortgage Corp.
1201 U.S. Highway One, North Palm Beach, FL 33408
Mortgage Masters Group
481 SW Port St. Lucie Blvd., Suite A, Port St. Lucie, FL 34953
Elite Lending Team
103 S US Highway 1, Jupiter, FL 33477
Treasure Coast Home Loans
10380 South West Village Center Drive #109, Port St. Lucie, FL 34987
Pelagic Mortgage
1860 SW Fountainview Blvd, Suite 100, St Lucie, FL 34986
Celebrity Home Loans
725 N. HWY A1A, Suite C 118, Jupiter, FL 33477

Port St. Lucie, FL Mortgage Refinance FAQs

  • What are the ways of receiving the proceeds in a Port St. Lucie reverse mortgage?

    The ways of receiving proceeds in a Port St. Lucie reverse mortgage include:

    • Lump sum, where the entire proceeds is obtained at once.
    • Term payments, where the lender gives regular payments for a certain time period.
    • Annuity/tenure plan, where the lender gives payments consistently as long as at least one borrower still resides in the property.
    • Line of credit, where the homeowner only borrows money as needed.
    • Term payments and line of credit.
    • Annuity and line of credit.
  • How does a reverse mortgage work in Port St. Lucie?

    A Port St. Lucie reverse mortgage is one where the lender provides payments and the borrower (the homeowner) only pays interest on the payments they receive. The homeowner still retains ownership of their home, and with time, their debt increases while their property equity decreases. The home becomes the collateral, and when the borrower passes away or moves, the home's sale proceeds are used to cover the interest, principal, fees, and mortgage insurance.

  • What are jumbo loans, and when must Port St. Lucie residents consider them?

    Jumbo loans are mortgages specifically intended to finance Port St. Lucie properties that are beyond the Federal Housing Finance Agency's limits for conventional conforming loans. They are recommended if a buyer wants properties that have a high price tag. These include high-value real estate; desirable locations and urban markets; high-end investment properties; custom-built homes; and expansive and unique homes with unique architecture, lavish amenities, or extensive acreage.

  • What is the purpose of bridge loans in Port St. Lucie?

    Bridge loans are a way of closing the financial gap when buying a new Port St. Lucie home while the old one is not yet sold. These loans help homeowners when they already need to buy the new property but the old property’s sale is still being finalized. Bridge loans have stricter requirements, swift repayment schedules, and higher interest rates. Applicants usually need a lower DTI ratio and higher credit scores to be eligible.

  • Why is a preapproval letter important when applying for a mortgage in St. Lucie?

    A Port St. Lucie mortgage pre-approval letter is important because it puts you at an advantage over other buyers who could also be interested in the home you are eyeing. Getting a pre-approval helps you find a lender who will assist you in securing a loan with terms and interest rates that suit your needs. This letter shows you are a serious buyer and helps you find an affordable residence by letting you shop within your means.