Best Mortgage Refinance Companies in Miami Beach

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Amethyst Mortgage logo
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License Verified:

License: 250769

Nationwide Multistate Licensing System and Registry

Amethyst Mortgage

925 Arthur Godfrey Rd, Suite 205, Miami Beach, FL 33140
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  • New Construction

Business Description

Amethyst Mortgage offers refinancing solutions to improve the financial outlook of borrowers in Miami Beach. Its loan readjustment options aim to lower existing rates, shorten loan terms, and acquire cash from equities. The loan advisor runs refinancing analysis, identifies clients’ needs and financial goals, prepares individualized quotes, and processes pre-approval screening. It strives to obtain loan approval in less than 30 days. For over a decade, company owner Marcio Demelo has worked in luxury real estate sales, loan processing, and mortgage-backed securities on Wall Street.

License Verified:

License: 250769

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (40)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Bayside Funding Corporation logo
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License: 2221998

Nationwide Multistate Licensing System and Registry

Bayside Funding Corporation

1000 Brickell Ave, Ste 715, Miami, FL 33131
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  • New Construction
  • Reverse Mortgages

Business Description

Bayside Funding Corporation caters to clients across Miami Beach. It helps borrowers lower interest rates or consolidate multiple debts through guidance with the mortgage refinancing process. The company takes into consideration data like government taxes to help clients understand how their refinancing decision impacts their long-term finances. It also offers hard money loans for home flippers aiming to purchase and renovate properties. Bayside Funding Corporation runs a newsletter to update clients on local and national market trends.

License Verified:

License: 2221998

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (4)
DAK Mortgage logo
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License Verified:

License: 1922428

Nationwide Multistate Licensing System and Registry

DAK Mortgage

1080 Brickell Ave #3106, Miami, FL 33131
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  • New Construction
  • Reverse Mortgages

Business Description

DAK Mortgage is a brokerage firm that serves residential and commercial clients in Miami Beach. It assists with mortgage refinancing, including rate-and-term and cash-out categories. It offers different loan products tailored to each customer's specific situation. DAK Mortgage provides traditional loans for construction, renovation, purchases, and investment retail products and exotic loans for foreign national financing, foreclosure bailouts, and Chapter 11 bankruptcy DIP financing. It is owned and operated by David A. Krebs, who has been working in the industry for over 15 years.

License Verified:

License: 1922428

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (51)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Detail
Iconic Mortgage & Real Estate logo
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License Verified:

License: 1547953

Nationwide Multistate Licensing System and Registry

Iconic Mortgage & Real Estate

Miami Beach, FL
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  • New Construction
  • Reverse Mortgages

Business Description

Iconic Mortgage & Real Estate serves clients in Miami Beach and the surrounding areas. It specializes in helping individuals refinance their mortgage loans to lower their monthly payments, pay off their loans faster, and consolidate their debts. It also allows clients to change their loans to VA, adjustable, and 30-year fixed rates to cash out from their home's equity. Its team is available to serve first-time home buyers needing home purchasing loans. The company has funded over $780 million in loans across the community.

License Verified:

License: 1547953

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (566)
Facebook
4.1 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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LendingHouse logo
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License Verified:

License: 2141418

Nationwide Multistate Licensing System and Registry

LendingHouse

777 Brickell Ave. Suite 500, Miami, FL 33131
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  • New Construction
  • Reverse Mortgages

Business Description

LendingHouse serves clients throughout Miami Beach. It offers mortgage refinancing services, providing loan programs for clients residing in or owning a single-family and multifamily home, townhouse, condominium, or manufactured house. It offers fixed-rate, adjustable-rate, FHA, VA, and interest-only mortgage loans. It assists them in choosing a loan program that suits their needs and goals, such as lowering their interest rates, changing their loan term, and taking cash out to fund home improvement projects. Loans at this company have an average approval period of 10 days.

License Verified:

License: 2141418

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (8)
Madison Capital Mortgage Group logo
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License Verified:

License: 1929887

Nationwide Multistate Licensing System and Registry

Madison Capital Mortgage Group

45 SW 9th St #4301, Miami, FL 33130
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  • New Construction

Business Description

Madison Capital Mortgage Group provides home loans for clients in Miami Beach. The firm's mortgage consultants help select the right program that suits financial goals and assist in overcoming any obstacles that may emerge when obtaining a loan. They recommend refinancing when mortgage rates are 2% lower than the existing rate on their loan. Clients' savings are determined by their income, budget, loan amount, and interest rate fluctuations. In addition, the company has various mortgage options for clients looking to purchase a new home.

License Verified:

License: 1929887

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (41)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Miami Mortgage Advisors logo
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License Verified:

License: 2003124

Nationwide Multistate Licensing System and Registry

Miami Mortgage Advisors

31 SE 5th St CU401, Miami, FL 33131
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  • New Construction

Business Description

Miami Mortgage Advisors helps clients achieve their dream homes in Miami Beach. Its refinancing solutions seek to lower rates, adjust terms, fund renovations, consolidate debts, and obtain cash from equities. Its mortgage advisors handle pre-qualification evaluation and identify programs that fit clients’ needs. They also connect first-time homebuyers to conventional, government-guaranteed, non-agency, and private mortgage options. Company head and co-founder Jason Hackworth has been in the industry for over 20 years. His business supports the Miami Cancer Institute and the Debris Free Oceans.

License Verified:

License: 2003124

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (57)
Facebook
5.0 / 5 (20)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
On Mortgage logo
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License Verified:

License: 1889418

Nationwide Multistate Licensing System and Registry

On Mortgage

333 S.E. 2nd Avenue, Suite 2000, Miami, FL 33131
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  • Reverse Mortgages

Business Description

On Mortgage serves homebuyers in Miami Beach. Its wholesale mortgage brokers advise individuals and families on whether to refinance their existing mortgages at a lower interest rate. The group offers refinance programs for single-family homes, condominiums, and multi-family dwellings. The firm also provides fixed-rate, adjustable-rate, FHA, and VA home loans. The company strives to disprove the notion of a one-size-fits-all approach by collaborating with several lenders to provide mortgage programs tailored to the specific needs of its clients.

License Verified:

License: 1889418

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (78)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Rate Leaf logo
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License Verified:

License: 1917493

Nationwide Multistate Licensing System and Registry

Rate Leaf

999 NE 125th St, North Miami, FL 33161
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  • Reverse Mortgages

Business Description

Rate Leaf offers mortgage refinancing opportunities to Miami Beach residents. Its VA home loans provide military members with special benefits. Its conventional loans have standard fixed mortgage, while its FHA loans are applicable for first-time buyers. The company also offers jumbo, foreign national, USDA, no income investment, and bank statement loans. The brokerage is a family-owned company that values its relationship with clients by guiding them through the complexities of their applications. It has closed 468 loans which it funded for 173 million dollars to date.

License Verified:

License: 1917493

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (141)
Facebook
5.0 / 5 (7)
Yelp
4.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Ruulio Mortgage logo
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License Verified:

License: 1687482

Nationwide Multistate Licensing System and Registry

Ruulio Mortgage

1000 Brickell Avenue Suite 1108, Miami, FL 33131
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  • New Construction

Business Description

Ruulio Mortgage caters to customers in Miami Beach who are looking to refinance their home loans. Its mortgage advisors help borrowers understand the mortgage refinancing process and help them choose the program that matches their specific needs. In addition to mortgage refinance programs, the firm offers a broad range of loan products for homebuyers, such as jumbo, VA, FHA, and USDA loans. It also helps individuals get approved for fixed-rate mortgages and investment property loans.

License Verified:

License: 1687482

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (14)
Facebook
5.0 / 5 (6)
The Mortgage Calculator logo
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License Verified:

License: 2377459

Nationwide Multistate Licensing System and Registry

The Mortgage Calculator

2125 Biscayne Blvd Suite 220, Miami, FL 33137
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  • New Construction

Business Description

The Mortgage Calculator serves commercial and residential customers in Miami Beach. It provides refinancing solutions for different property types, including single-family and multi-unit homes, condos, manufactured homes, and townhouses. It offers multiple loan programs, including conforming, FHA, VA, jumbo, hard money, and foreign national mortgages. The Mortgage Calculator also assists with commercial and multi-family real estate loans that may be used for purchase, refinance, and cash-out refinance transactions. Additionally, it helps self-employed borrowers with non-QM loans.

License Verified:

License: 2377459

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

What should you expect when refinancing a mortgage?

When refinancing a mortgage, expect to answer a lot of questions and provide documentation to back up your answers. You'll may also pay fees and closing costs of around $5,000. Additionally, expect to start over in terms of building home equity, because refinancing takes the amortization process back to the beginning.

How often should you refinance your mortgage?

There is no recommended frequency for refinancing a mortgage. How often you should refinance is determined by when it will save you money. If you can get better terms on your mortgage by refinancing, then it’s a good time to take action.

Can you refinance a first mortgage and not a second?

You can refinance your first mortgage and not the second one, but it can be difficult. You have to get the lender of your second mortgage to agree to the refinancing. The process is called resubordination, and some home equity lenders won’t agree. Additionally, lenders typically charge extra fees to resubordinate a loan.

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