Best Mortgage Refinance Companies in Miami

6 Best Miami Mortgage Refinance Companies

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We scored 221 Mortgage Refinance Companies in Miami, FL and Picked the Top 6

Founded in 1950 and serving more than 54,000 members, First Florida Credit Union can arrange home mortgage refinance in Miami and every other location in the state from its 16 branches. For owner-occupied homes or properties that are the owner's primary residence, it offers a second mortgage home equity loan to help members access a one-time draw of funds. The loan can have low or no closing costs and comes with a fixed-rate term of 20 years, with no requirement for an escrow account. Jumbo loans are also available. Conditions of approval include being a member of the credit union and a qualifying credit score.

Get A Rate is a mortgage refinance company in Miami that employs state-of-the-art online calculation systems to evaluate loan applications, and a dedicated team of experts to help process the client's refinancing loan. Underwritten pre-approval can be given in as little as 10 minutes. The company can arrange loans through the Home Affordable Refinance Program for homes valued lower than their current mortgage, and for those over 62 years old, it can assist with reverse mortgages. FHA loans can be arranged for clients with less than perfect credit and VA loans for qualifying military personnel. The company's website has handy mortgage and affordability calculators for the benefit of its clients.


Lourdes Cuervo is the local mortgage loan originator with Pioneer Funding Inc., who are mortgage refinance lenders in Miami and throughout South Florida. Ms. Cuervo is a certified mortgage planning specialist, coach, and advisor who assists clients looking to refinance their mortgage. The company is a broker that works with 50+ lenders and offers clients the option of a 100% online application or working directly with Ms. Cuervo. A full range of loan options is available, from FRM and ARM to hybrid ARMs and loans for homeowners whose property is worth less than their mortgage. The company can also arrange loans for foreign nationals.


Since it was founded in 1952, Space Coast Credit Union has grown to serve 450,000 members through 59 branches in 29 counties across Florida. Its range of member services includes mortgage refinance, with a wide variety of down payment and loan options. There are conventional fixed-rate and adjustable-rate loans, as well as FHA loans for those with weaker credit ratings, and VA loans for qualifying military personnel and veterans. The loans have terms of up to 30 years and come without application fees or intangible tax or pre-payment penalties. Space Coast Credit Union communicates fluently in English and Spanish. Its mission is to create value through shared ownership.


Founded in 2002, Strock & Tanner Mortgage Corp can assist seniors with home mortgage refinance in Miami and throughout the state. The company specializes exclusively on Reverse Mortgages, working with financial planners, brokers, banks, and credit unions to help its clients achieve the best refinancing loans. Its policy is to also educate seniors to satisfy any concerns they may have about their loan. The company offers a proprietary jumbo Reverse Mortgage for homes valued between $500,000 and $6 million, with homes exceeding those figures evaluated individually. Property types include single-family residences and townhouses. The company communicates in English and Spanish and operates a 24-hour toll-free hotline for its clients


Founded more than 20 years ago, Universal Mortgage LLC serves residential and commercial clients throughout Miami's metro area, with home mortgage refinancing being amongst its many services. The mortgage broker represents a wide range of A-rated lenders and lenders who specialize in assisting those rejected because of their less than perfect credit history. It can arrange any type of mortgage refinancing loan, including conventional fixed-rate loans with 15 or 30-year terms, and adjustable-rate loans with one, three, or five-year terms. They also arrange VA loans for qualifying members and ex-members of the military and jumbo loans for clients who need more than the standard loan limits.

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