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2024

Last updated:

Best Mortgage Refinance Companies in Miami Beach

Our Recommended Top 15

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Miami Beach 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.

63Reviewed

43Curated

15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

Why choose this provider?

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 (154)
Facebook
5.0 / 5 (10)
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

Website
1221 Brickell Ave ste 900, Miami, FL 33131
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Swift Loan delivers refinancing and mortgage products to clients in Miami Beach. The team analyzes the current obligations of homebuyers and lays out the advantages of replacing current debts with new alternatives. The application process is conducted online, and the company maintains an interactive user portal to facilitate transactions. Swift Loan was established by individuals who have backgrounds in finance and a passion for technology. It focuses on streamlining manual, analog processes using modern digital tools.

License Verified:

License: 1607706

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.
4.8
Google
4.8 / 5 (51)
Facebook
5.0 / 5 (19)

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

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

Why choose this provider?

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 (3)

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

Why choose this provider?

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 (58)
Facebook
5.0 / 5 (21)

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

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

Why choose this provider?

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 (38)

Website
2125 Biscayne Blvd Suite 304, Miami, FL 33137
  • New Construction

Why choose this provider?

Giovanni Orrego is the president of Essex Home Loans Corp and serves the refinancing needs of borrowers in Miami Beach. He and his team create opportunities for lower rates, design plans to cut through red tape, and develop strategies to minimize stress with refinancing. They strive to close mortgages within deadlines, provide communication and follow-up support, and advise loan borrowers with structuring refinancing to secure optimal deals. Orrego established the company in 2001. He holds a degree in Business Administration.

License Verified:

License: 328619

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
5.0 / 5 (38)
Facebook
4.8 / 5 (21)

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

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

Why choose this provider?

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.
5.0
Google
5.0 / 5 (13)

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

Why choose this provider?

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

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

Why choose this provider?

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 (77)
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

Website
Miami Beach, FL
  • New Construction
  • Reverse Mortgages

Why choose this provider?

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 (569)
Facebook
4.3 / 5 (11)

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

Website
100 Lincoln Road, Suite CU-07, Miami Beach, FL 33139
  • New Construction

Why choose this provider?

Ross Home Loans offers mortgage refinancing opportunities to residents of Miami Beach. It dedicates its work to providing clients with exceptional and quality service through various refinancing options that lower their mortgage and help them obtain better terms. The company also offers foreign national loans for non-citizens who want to buy properties in the U.S. Its programs include jumbo, FHA, condo, reverse mortgage, commercial, and conventional loans. Ross Home Loans can accommodate Spanish-speaking clients.

License Verified:

License: 391770

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 (37)

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

Why choose this provider?

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 (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
Responsiveness
Friendliness
Helpfulness
Detail

Website
201 S Biscayne Blvd 28th Floor, Miami, FL 33131
  • New Construction

Why choose this provider?

Polaris Funding Group caters to residents of Miami Beach who need refinancing and mortgage services. Its loan options include first-time homebuyer programs and choices tailored to investment purchasers. FHA mortgages are available for those with lower credit ratings, and programs for military veterans are on hand. The team also refinances existing obligations and has cash-out procedures for high-interest debts. Polaris Funding Group was founded in 2007. Its application process can be fulfilled online, minimizing the need for personal contact.

License Verified:

License: 2540

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.
4.8
Google
4.9 / 5 (60)
Facebook
4.8 / 5 (23)
Yelp
4.5 / 5 (19)

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
––

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

Why choose this provider?

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 (52)

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

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

Why choose this provider?

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 (48)

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

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.
  • What is the average closing cost for refinancing in Miami Beach?

    As per information provided by the Federal Reserve, the average closing expenses generally range from 3% to 6% of the principal amount of your mortgage in Miami Beach. The specific closing costs for your refinancing endeavor will depend on factors such as your geographical location, your home's appraised value, and the particular requirements of both your previous and new lenders.

  • How long does the refinancing process in Miami Beach usually take?

    The typical timeframe for completing a refinancing process in Miami Beach is generally around 30 to 45 days. In rare instances, the process might extend to about 60 days before the closing occurs, but this is relatively uncommon. It's important to consider that the duration of the refinancing process is influenced by various factors, such as the current state of your home, the terms of your existing mortgage, and the specific type of loan that you currently hold.

  • Can you refinance if you are underwater on your mortgage in Miami Beach?

    If your mortgage is underwater, it is generally not feasible to refinance your mortgage in Miami Beach. Lenders typically require borrowers to possess a certain level of equity in their property before they allow a refinancing process to proceed. This means that your home's current value should surpass the outstanding mortgage balance before you can proceed with the refinancing process.

  • Can you refinance if you have filed for bankruptcy in Miami Beach?

    You can refinance after bankruptcy in Miami Beach, but it's important to note that the ability to refinance is subject to specific waiting periods, which vary based on the type of bankruptcy you have filed and the category of loan you are pursuing. In many cases, government-backed loans tend to have shorter waiting periods compared to conventional and jumbo loans.

  • Can you have a cashout refinance on a property with an existing loan in Miami Beach?

    In Miami Beach, you can opt for a cash-out refinance regardless of whether the property is fully owned or has an existing mortgage. This type of refinancing is applicable to all types of property occupancy, including primary residences, second homes, or investment properties. There are also no limitations on the property type, whether it’s a single-family home, a condo, or a townhome.

  • 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.