How Many Months Until Your FL Refi Pays for Itself?

Get your personal break-even month and a real closing-cost estimate — calculated against today's Florida rates. Skip the generic "could save you thousands" claims. See the actual math for your loan.

No Hard Credit Pull Today's FL Rates FL-Licensed

Opening Doors. Closing Loans.

60-Second Refi Check

Step 1 of 9 — no credit pull, today's rates.

Current Rate

What rate are you paying today?

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Current loan balance?

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Estimated home value? Estimate it for me

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Check your email for your personal break-even report. We'll text shortly to walk you through today's FL rates.

What You'll See in Your Refi Report

Seven specifics inside the report — built around your loan, not generic averages.

Personal Break-Even Month

The exact month your monthly savings cover all closing costs — calculated for your balance, rate, and FL closing-cost profile.

Today's FL Rates

Live Florida pricing, not yesterday's headline. You see what we can lock today, with the credit tier you qualify for.

Cash-Out Scenarios

Debt-consolidation math, home-improvement equity tap, or pure rate-and-term — all modeled against your equity position.

No Hard Pull

The estimate uses a soft credit snapshot. Your FICO stays untouched until you formally apply.

Transparent Closing Costs

Title, recording, intangible tax, doc-stamp tax — every Florida-specific cost itemized in your report.

FHA Streamline Option Flagged

If you currently have an FHA loan, we'll mark whether a streamline refi (no appraisal, reduced docs) is your fastest path.

Dedicated Officer

One licensed FL loan officer reviews your numbers and walks you through them. No call-center handoffs, no script-readers.

Frequently Asked Questions

The questions FL homeowners ask before pulling the trigger on a refinance.

Break-even is the month your cumulative monthly savings from a lower rate equal your total closing costs. If your refi saves $200/month and closing costs are $4,800, you break even at month 24. After that, every month is pure savings. We calculate yours to the exact month.

Sometimes — it depends on your balance and how long you'll stay in the home. On a $400K loan, a 0.75% drop can still save $200+/month. The real question isn't the rate-drop alone, it's whether you'll stay in the home past break-even. Your report shows you the answer specifically.

Generally 20% equity remaining after the cash-out for conventional loans (max 80% LTV). FHA cash-out caps at 80% LTV as well. VA cash-out can go to 90% LTV with strong credit. If you have less than 20% equity, a rate-and-term refi may still make sense.

A simplified FHA-to-FHA refinance with no new appraisal, reduced documentation, and no income re-verification. Available only if your current loan is FHA and you've made on-time payments for 6+ months. Closing costs are typically much lower than a standard refi.

Florida has unique closing costs: doc-stamp tax on the note ($0.35 per $100 of loan amount), intangible tax on the mortgage ($0.002 per $1 of loan amount), plus standard title, recording, and lender fees. Total typically runs 2–4% of the loan amount in FL. Your report itemizes every line.

Not necessarily — rates move daily. Once you formally apply and submit docs, we lock your rate for typically 30, 45, or 60 days at no charge. The quoted rate in your report is today's market; locking requires a formal application.

15-year refis carry roughly 0.5–0.75% lower rates and you pay the loan off in half the time — but the monthly payment is significantly higher. 30-year keeps the payment low and gives you flexibility. We model both side-by-side in your report so you see lifetime interest savings vs monthly cash flow.

Yes. FL investment property refis are available — usually at rates 0.5–0.75% above owner-occupied, with a maximum 75% LTV for cash-out (70% for 2–4 unit). FHA and VA don't apply (owner-occupied only), but conventional and non-QM options do.