Refinance a Florida mortgage

Rate-and-term, cash-out, VA IRRRL, and FHA streamline. The break-even is not just the note rate — Florida insurance escrow can move the payment.

• Rate-and-term: lower payment or a shorter term when the math clears after costs.
• Cash-out: equity for a purpose, with occupancy and seasoning rules.
• VA IRRRL: streamline refinance for an existing VA loan. Send the current note and whether occupancy is still primary.
• FHA streamline: existing FHA, net tangible benefit, insurance still quoted.
• Investment property cash-flow: DSCR refinance, including out of state.