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2024

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Best Mortgage Refinance Companies in Miami, FL

Our Recommended Top 20

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 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.

235Reviewed

149Curated

20Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2150 Coral Way, Miami, FL 33145
WebsiteLicense: 1636005

Expertise.com Rating

Review Sources

Google
4.4 (45)
Facebook
4.8 (26)
Yelp
1.0 (1)

Why choose this provider?

GoKapital provides various mortgage programs for individuals and business owners in Miami. It caters to amateur or experienced investors who want to acquire or refinance investment properties by providing hard money, fix-and-flip, foreign national, and bridge loans. The company offers working capital from $20,000 to $5,000,000 for businesses in industries like cannabis, restaurants, and e-commerce. GoKapital was established by Chris Moreno in 2013. Moreno, who also speaks Spanish, is a former analyst for prominent financial agencies in NYC.

  • New Construction

3230 East Broadway Road Suite B-220, Phoenix, AZ 85040
WebsiteLicense: 1007729

Expertise.com Rating

Review Sources

Google
5.0 (597)
Facebook
5.0 (91)
Yelp
5.0 (6)

Why choose this provider?

Agave Home Loans helps property owners in Miami with their mortgage refinancing needs. This independent firm assists them in securing their financial objectives—paying off higher interest debts or paying for college fees—by converting their existing equity to cash and finding lenders who offer low interest rates. Its staff also informs clients about the processes to help them make wise decisions. Lastly, Co-owner Doug Wang has more than seven years of experience in the mortgage industry. 

  • Reverse Mortgages

848 Brickell Avenue, Miami, FL 33131
WebsiteLicense: 383682

Expertise.com Rating

Review Sources

Google
5.0 (134)
Facebook
5.0 (3)

Why choose this provider?

Lending Bankers Mortgage, LLC, is a Miami-based firm that assists residential and commercial clients in several areas, including refinancing. Its team of advisors is knowledgeable in different home refinancing options such as rate and term, which caters to clients who wish to eliminate escrow accounts, lower interest rates, or shorten mortgage terms. Furthermore, they handle cash-out refinance transactions that involve obtaining home equity. Lending Bankers Mortgage, LLC, caters to clients who speak English, Spanish, and Portuguese.

  • Reverse Mortgages
  • NMLS #: 39166

31 Southeast Fifth St CU-401, Miami, FL 33131
WebsiteLicense: 2003124

Expertise.com Rating

Review Sources

Google
5.0 (89)
Facebook
5.0 (20)

Why choose this provider?

Miami Mortgage Advisors is a local brokerage serving individuals and families throughout the local metro and the neighboring communities. The firm offers personalized mortgage refinancing options to meet the needs of its clients who seek to reduce monthly payments, cash out some of their equity, or consolidate existing debts. It has more than 20 years of experience offering mortgage solutions such as conventional, FHA, VA, USDA, non-agency, and private lending options. The firm donates to organizations like Debris Free Oceans and Miami Cancer Institute after each successful transaction with clients.

  • Multi-Family Loans

1000 Northwest 57th Court, Miami, FL 33126
WebsiteLicense: 1100518

Expertise.com Rating

Review Sources

Google
4.8 (116)
Yelp
3.0 (4)

Why choose this provider?

Ready Mortgage Lenders is a Miami-based business that has been in operation since 2013. One of the areas it specializes in is home refinancing which involves comparing mortgage terms and interest rates. Its team can assist clients in changing their loans to either FHA, jumbo, fixed-rate, or adjustable-rate mortgages. The advisors also work with both seasoned investors and first-time homebuyers in purchasing loans. Ready Mortgage Lenders' executive board has over 70 years of collective industry experience.

  • Reverse Mortgages
  • NMLS #: 39166

1444 Biscayne Blvd, Miami, FL 33132
WebsiteLicense: 1547953

Expertise.com Rating

Review Sources

Google
4.7 (575)
Facebook
4.2 (17)

Why choose this provider?

Iconic Mortgage & Real Estate is a lender based in Miami. The agency specializes in FHA and VA refinances and has recently diversified its mortgage products. It serves clients looking to purchase various properties including single- and multi-family homes, condos, and townhomes. It was founded in 2016 by Aleksandre Vayshelboym, who has over 16 years of experience in the industry. He served for 11 years at Service 1st Mortgage, which holds the distinction as one of the few mortgage lenders to survive the 2007 mortgage crisis.

  • New Construction

1221 Brickell Ave ste 900, Miami, FL 33131
WebsiteLicense: 1607706

Expertise.com Rating

Review Sources

Google
4.8 (53)
Facebook
5.0 (19)

Why choose this provider?

Swift Loan offers services to clients in Miami and the surrounding areas. It provides customers with mortgage refinancing options. Its team uses the company's digital systems to provide several loan products based on a client's essential information. Swift Loan's system helps individuals list their income and assets without the need to gather their records. It also keeps customers informed of each stage of the loan process. The firm offers continued support by providing clients with their properties' monthly market data.

  • New Construction

2525 Ponce de Leon Blvd, Suite 300-73, Coral Gables, FL 33134
WebsiteLicense: 1948246

Expertise.com Rating

Why choose this provider?

The Mortgage HUB offers solutions to residents in the Miami metro. Its team of mortgage brokers helps clients find a refinancing program based on their financial objectives and needs. The company assists individuals in comparing rates and products from several different lenders. It uses a refinance visualizer to guide clients in building long-term investment strategies based on their mortgage savings. Michael Ortiz, the president of The Mortgage HUB, has been helping individuals and families with their home loan needs for 16 years.

  • Reverse Mortgages

1080 Brickell Avenue, #4106, Miami, FL 33131
WebsiteLicense: 1922428

Expertise.com Rating

Review Sources

Google
4.9 (56)
Facebook
5.0 (9)

Why choose this provider?

DAK Mortgage caters to clients in Miami and nearby areas. It offers mortgage refinance services, helping individuals cash out their residential property's equity for business creation, college tuition, debt consolidation, home renovation, and real estate investment purposes. It also serves those who are caught in foreclosure proceedings and want to lower their interest rate. In addition, the firm provides other types of mortgages, such as bridge, home construction, jumbo, and investment property loans. DAK Mortgage brings more than 15 years of experience in the industry.

  • New Construction

3812 Ponce De Leon Blvd, Coral Gables, FL 33134
WebsiteLicense: 1593453

Expertise.com Rating

Review Sources

Google
5.0 (11)

Why choose this provider?

McGrover Funding Corporation caters to customers in the Miami metro and the surrounding areas. It assists homeowners looking to refinance their mortgage by offering various loan programs. These include commercial, conventional, FHA, USDA, and veteran's affairs loans. The company also provides hard money loans, which help pay off debts, divorce costs, IRS lien, and medical bills. McGrover Funding Corporation comprises mortgage professionals who bring over nearly 40 years of combined experience in the industry.

  • New Construction

444 Brickell Ave 1st Floor, Miami, FL 33131
WebsiteLicense: 11712

Expertise.com Rating

Review Sources

Google
4.7 (49)
Yelp
5.0 (1)

Why choose this provider?

Network Capital offers over 20 years of experience serving individuals and families throughout Miami and the neighboring areas with their mortgage refinancing needs. Clients can consult with the firm's mortgage bankers to find out their exact needs and what type of loan would be appropriate to meet them, whether the client intends to cash out or just get a better rate and term. Loan options include convention, FHA, and VA loans. Network Capital also has locations in Irvine, Los Angeles, and New York City.

  • New Construction

1680 Michigan Ave Ste 1001, Miami Beach, FL 33139
WebsiteLicense: 366842

Expertise.com Rating

Review Sources

Facebook
5.0 (9)
Google
5.0 (3)
Yelp
5.0 (2)

Why choose this provider?

Halpern & Associates Mortgage Corporation, Inc. serves individuals and families in Miami looking to purchase or refinance a property. It offers a variety of loan options, including conventional, VA, jumbo, and bank statement loans. It also assists foreign nationals. The agency has no-income verification mortgage and private money loan options. Halpern & Associates has been in the industry for over 20 years. It has an online mortgage calculator to assist clients looking to estimate loans.

  • Multi-Family Loans

201 S Biscayne Blvd 28th Floor, Miami, FL 33131
WebsiteLicense: 2540

Expertise.com Rating

Review Sources

Google
4.9 (70)
Facebook
4.8 (25)
Yelp
4.6 (18)

Why choose this provider?

Polaris Funding Group provides services to Miami and the surrounding communities. It assists individuals who are looking to refinance their mortgage for various purposes. These include debt consolidation, equity cash-out, home improvement, and rate or term adjustment. It also caters to those who want to lower their interest rates and monthly payments. In addition, the firm serves first-time homebuyers and offers different loan programs, including adjustable- and fixed-rate mortgages, balloon, graduated payment, interest-only, FHA, and VA. Polaris Funding Group has been in operation since 2007.

  • New Construction

777 Northwest 72nd Avenue, Miami, FL 33126
WebsiteLicense: 1975871

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

Relax Mortgage is a firm assisting Miami clients who are looking to purchase or refinance a property. Various loan options are available, including FHA, USDA, fixed-rate, conventional, and renovation mortgage. Its principal loan officer, Ana Sanz, is also a real estate broker and Realtor with more than 25 years of industry experience navigating through the Florida state market. She uses her professional connections in helping clients identify their home valuation and the loan program that fits their needs.

  • New Construction

634 6th Street, Miami Beach, FL 33139
WebsiteLicense: 1797180

Expertise.com Rating

Review Sources

Google
5.0 (6)

Why choose this provider?

Dynamic Mortgage provides mortgage refinancing services to clients in Miami. The company offers a selection of loan options for homebuyers and homeowners, including 30-year fixed-rate mortgages, adjustable-rate mortgages, FHA home loans, VA home loans, and USDA loans. Clients can also avail themselves of the services provided by loan officer Dovie Lieberman, including personalized mortgage solutions based on their unique criteria and financial conditions. Taking cash out of home equity to refinance mortgages is also an option for clients.

  • Reverse Mortgages
  • NMLS #: 39166

2030 S Douglas Road, Coral Gables, FL 33134
WebsiteLicense: 350924

Expertise.com Rating

Review Sources

Google
5.0 (78)

Why choose this provider?

Tabares Group is a company that caters to clients in Miami and its neighboring communities. It offers a variety of home purchase and refinancing programs, including primary residential mortgage loans, investment and second home financing, and commercial real estate financing. The firm also handles various products such as fixed-rate and adjustable-rate mortgages, warrantable and non-warrantable condo financing, and streamlined refinancing. In addition, it provides jumbo, conventional, FHA, and VA loans. Tabares Group’s staff has over 45 years’ worth of collective industry experience.

  • New Construction

2665 S. Bayshore Drive, Suite 103-1, Miami, FL 33133
WebsiteLicense: 1530957

Expertise.com Rating

Review Sources

Google
5.0 (37)

Why choose this provider?

Eduardo Oropeza is a loan officer affiliated with American Portfolio Mortgage. He caters to clients in Miami and the surrounding areas. He assists individuals who are looking to refinance their mortgage to address college tuitions, home improvements, lifestyle changes, and retirement goals. He also serves those whose objective is to reduce their monthly payments. Oropeza offers different types of loan programs, such as ARMs, Fannie Mae conventional, high-balance, and jumbo. In addition, he provides FHA, USDA, and VA loans.

  • New Construction

999 NE 125th St, North Miami, FL 33161
WebsiteLicense: 1917493

Expertise.com Rating

Review Sources

Google
5.0 (165)
Facebook
5.0 (9)
Yelp
4.0 (6)

Why choose this provider?

Rate Leaf is a family-owned brokerage that serves clients in Miami. Through its mortgage and refinance services, which include private money lending as well as loans for fix and flip, renovation, rental property, and commercial real estate, it helps borrowers find the best mortgage rates and a simple and secure way to buy a home. With over 468 completed loans and 15 years of experience as a broker, the firm works to give customers fast, flexible, and creative solutions to their mortgage needs.

  • Reverse Mortgages

185 SW 7TH ST #2104, Miami, FL 33130
WebsiteLicense: 1819862

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Established in 2018, The Mortgage Veterans caters to individuals in Miami and the surrounding areas seeking assistance in refinancing a mortgage. The firm helps clients in lowering interest rates, consolidating debts, boosting credit scores, and obtaining tax deductions. It also provides guidance in second mortgages, home equity loans, and cash-out options like VA, FHA, and conventional. Founder Steven Abramson got his bachelor's degree in Marketing from the University of Maryland’s Robert H. Smith School of Business.

  • Reverse Mortgages

6780 SW 80th St., Miami, FL 33143
WebsiteLicense: 1702891

Expertise.com Rating

Review Sources

Facebook
4.7 (163)
Yelp
2.2 (10)
Google
5.0 (6)

Why choose this provider?

All in One Mortgage Lenders is a Miami-based firm whose staff brings over 100 years of experience. The company helps clients refinance existing mortgages, whether they are looking to lower interest rates, shorten payment terms, switch from adjustable-rate to fixed-rate loans, or tap cash from a home's equity. In addition, the agency provides new mortgages through FHA and VA. It assists senior citizens who are eligible to apply for reverse mortgages. Having an on-site processing and underwriting center allows the company to deliver fast loan approvals.

  • Reverse Mortgages

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
GoKapital
2150 Coral Way, Miami, FL 33145
Agave Home Loans
3230 East Broadway Road Suite B-220, Phoenix, AZ 85040
Lending Bankers Mortgage LLC
848 Brickell Avenue, Miami, FL 33131
Miami Mortgage Advisors
31 Southeast Fifth St CU-401, Miami, FL 33131
Ready Mortgage Lenders
1000 Northwest 57th Court, Miami, FL 33126
Iconic Mortgage & Real Estate
1444 Biscayne Blvd, Miami, FL 33132
Swift Loan
1221 Brickell Ave ste 900, Miami, FL 33131
The Mortgage Hub
2525 Ponce de Leon Blvd, Suite 300-73, Coral Gables, FL 33134
DAK Mortgage
1080 Brickell Avenue, #4106, Miami, FL 33131
McGrover Funding Corporation
3812 Ponce De Leon Blvd, Coral Gables, FL 33134
Network Capital
444 Brickell Ave 1st Floor, Miami, FL 33131
Halpern & Associates Mortgage Corporation, Inc.
1680 Michigan Ave Ste 1001, Miami Beach, FL 33139
Polaris Funding Group
201 S Biscayne Blvd 28th Floor, Miami, FL 33131
Relax Mortgage
777 Northwest 72nd Avenue, Miami, FL 33126
Dynamic Mortgage
634 6th Street, Miami Beach, FL 33139
Tabares Group
2030 S Douglas Road, Coral Gables, FL 33134
Eduardo Oropeza
2665 S. Bayshore Drive, Suite 103-1, Miami, FL 33133
Rate Leaf
999 NE 125th St, North Miami, FL 33161
The Mortgage Veterans
185 SW 7TH ST #2104, Miami, FL 33130
All In One Mortgage Lenders
6780 SW 80th St., Miami, FL 33143

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 can you expect to happen during the mortgage refinancing process in Miami?

    Miami residents who want to replace their current mortgage through refinancing can expect an initial assessment of their financial situation. The lender often looks at an individual's employment history, credit score, home equity, and other debt obligations to determine if they are fully prepared for the process. Borrowers also go through refinancing negotiation and mortgage comparison procedures before submitting their final applications.

  • Is it common for mortgage refinancing applications to get denied in Miami?

    Yes, it is common for mortgage refinancing applications to get denied in Miami. Those who have low credit scores have a 32% chance of getting rejected since lenders have been strict regarding credit availability. However, other factors can influence mortgage denial, like insufficient cash, incomplete credit applications, and unverifiable information.

  • Why do Miami residents choose to apply for mortgage refinancing?

    Miami residents often apply for refinancing to have better mortgage terms than their previous ones. The loan conditions that convince locals to replace their current mortgage with a new one include shorter payment periods and lower interest rates. These two factors can help them quickly pay off their mortgage loans while saving money through lower payments.

  • Can you submit a home refinancing application in Miami even if your current mortgage is new?

    Yes. You can submit a home refinancing application in Miami even if your current mortgage is new. This allows you to find a better loan that uses a portion of your monthly payments to settle the principal balance instead of reducing the insurance component. In this manner, borrowers can increase their equity and save money for other residential projects.

  • What documents do Miami residents usually need to present when making residential loan mortgage applications?

    Miami residents are usually asked to present their listing sheet copy, credit report, proof of income, and bank statements when making residential loan mortgage applications. However, there are cases wherein the lender can request borrowers to submit additional documents, like gift letters, child support orders, and divorce decrees, during the pre-approval process.

  • 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.