Thinking About Refinancing in Central Florida or Southern Maine? We'll Make It Work for You.
Whether you're refinancing to lower your rate, tap into equity, or shorten your loan term, we’re here to guide you through it with clarity and care.
With over 20 years of experience as a husband-and-wife team, we make the refinance process smooth, personal, and tailored to your financial goals.
Cash-Out & Rate-and-Term Refinance Options
With today’s changing interest rates, refinancing your mortgage can reduce your monthly payment, eliminate PMI, or unlock cash for other financial goals.
Rate & Term Refinance
Lower your interest rate or change your loan term to save money or pay off your mortgage sooner.
Cash-Out Refinance
Tap into your home’s equity for renovations, debt payoff, or major expenses—while locking in a new loan.
Debt Consolidation Refinance
Roll higher-interest debts into one manageable monthly payment—using your home’s equity wisely.
Reverse Refinance
Homeowners age 62 and older can refinance their existing reverse mortgage to access additional equity, update loan terms, or add a spouse to the loan, all while continuing to live in their home without monthly mortgage payments. In some cases, a second mortgage or home equity option may also be available, giving you another way to tap into your home’s value for expenses, debt consolidation, or financial planning. Together, these solutions can help maximize flexibility and provide more control over your retirement finances.
Frequently Asked Questions
How do I know if refinancing makes sense?
If you can lower your rate, shorten your term, or access equity affordably, it’s worth reviewing your options.
How much equity do I need to refinance?
Typically at least 20% for a conventional refinance. But cash-out, FHA, or VA loans have flexible options.
Will refinancing reset my loan term?
Not always. You can choose a shorter term (like 15 or 20 years) or refinance into the same remaining time.
Does refinancing cost money?
There are closing costs, but they can often be rolled into the new loan. We’ll give you a clear, upfront breakdown.
How long does it take to refinance?
Timelines depend on the loan type and how quickly we receive your documents—but we keep things moving and keep you updated every step of the way.