The best refinance company in Florida depends on the job: a national digital lender for speed, a Florida credit union for member pricing, a retail lender with local officers who know condo and insurance wrinkles, or a broker shopping multiple wholesale investors at once. This page compares the realistic options — including us, clearly labeled — plus the Florida-specific taxes that surprise people at closing.
Disclosure: This page is published by Lendtrain — Atlantic Home Mortgage, LLC dba Lendtrain, NMLS #1844873, a mortgage broker licensed in Florida — and Lendtrain appears in the list below, clearly labeled. No other lender listed pays us for inclusion or placement. The alternatives are described as fairly as our own entry.
How we compare (and why no rates are printed)
Refinance pricing moves daily and depends on credit, equity, property type, and loan size — a printed competitor rate would be stale immediately. Lender structure is stable and comparable: pricing model, strengths, and blind spots. Collect two or three same-day Loan Estimates and score them with our lender comparison method.
The short list for Florida
| Lender | Type | Strongest fit |
|---|---|---|
| Rocket Mortgage | National retail lender | Fast, fully digital process |
| Better | Online lender | Cost-conscious, self-serve borrowers |
| Chase | National bank | Existing Chase customers wanting banking and mortgage in one place |
| Rate (formerly Guaranteed Rate) | Retail lender | Borrowers who want a named loan officer |
| Suncoast Credit Union | Florida credit union | Members on the Gulf Coast wanting relationship pricing |
| Lendtrain (that's us) | Mortgage broker | Shopping several wholesale investors in one application |
Rocket Mortgage
The country's most recognizable digital lender and a high-volume Florida originator. Best-in-class app and servicing technology. It quotes one retail menu, so the same-day outside quote is how you confirm the price is right for your file.
Better
Low-overhead, online-first, quick preapprovals. A good match for straightforward rate-and-term refinances where you're happy to self-serve. Florida condos and insurance-heavy escrows can add wrinkles where a more hands-on lender earns its fee.
Chase
The largest bank in the country and a major Florida presence. If you already bank there, keeping the mortgage alongside your accounts is convenient, and your existing relationship is worth asking about. Banks quote one menu and run conservative on timelines and condo review — put an outside Loan Estimate next to theirs before deciding.
Rate (formerly Guaranteed Rate)
A large retail lender with loan officers across Florida. The named-human model helps on files with moving parts — condo review, recent storm claims, complicated income. Compare its Loan Estimate against a leaner channel so the service premium is a choice, not a surprise.
Suncoast Credit Union
Florida's largest credit union, serving members across much of the state. Credit unions can be genuinely competitive on relationship pricing and typically keep servicing in-house; membership requirements and conservative timelines are the trade-offs.
Lendtrain — our entry, clearly labeled
We're a broker: one application, priced across multiple wholesale investors, rate and APR side by side, and a Florida quote takes about a minute with no hard credit pull. Florida is one of our ten licensed states. Where we're the wrong choice: if you want origination and servicing under one roof long-term, or you need FHA (we don't offer FHA loans).
Florida-specific costs to watch
- Documentary stamp tax. Florida charges $0.35 per $100 of the new note amount (0.35%) when the mortgage is recorded — $1,050 on a $300,000 refinance.
- Intangible tax. Another 0.20% ($2 per $1,000) on the new mortgage amount.
- Insurance escrows. Florida's property insurance market makes escrow math volatile; your new lender will set escrows off current premiums, which can change your payment more than the rate did.
- Condo review. If you're refinancing a condo, lender condo-project review has tightened in recent years; ask early how the lender handles your building.
Our Florida refinance rates guide covers the state's costs and process in more depth.
FAQ
Who has the best refinance rates in Florida? It changes daily and by file. The dependable answer: whoever wins a same-day, same-structure Loan Estimate comparison across two or three lenders on this list.
How much are refinance taxes in Florida? Plan on roughly 0.55% of the new loan amount in state taxes — 0.35% documentary stamps plus 0.20% intangible tax — on top of normal closing costs.
Is it harder to refinance a condo in Florida? Often, yes. Lenders review the condo project's insurance, reserves, and structural status, and standards have tightened. A lender experienced with Florida condos can tell you quickly whether your building will pass review.
Should I wait for insurance renewal before refinancing? If your premium is about to change significantly, quoting after renewal makes your escrow analysis — and your new payment — more accurate.
Atlantic Home Mortgage, LLC dba Lendtrain, NMLS #1844873. Equal Housing Opportunity. Educational content including Lendtrain among the options; not a commitment to lend. Verify current programs and licensing with any lender at NMLS Consumer Access.