Lendtrain offers mortgage refinance rates in Florida. Licensed as Lendtrain (NMLS# 1844873). Wholesale rates for conventional and VA loans. No credit check for your quote.
Check Your Florida Mortgage Refinance Rate
Get a free rate quote from a licensed Florida mortgage broker. No application to fill out. No credit check for your quote. Takes about 30 seconds.
Florida homeowners refinancing a mortgage should expect title and closing practice to vary by county, with documentary stamp taxes and recording costs affecting the estimate. Lendtrain brokers conventional and VA refinance options through wholesale lenders in Florida. Pricing is scenario-specific and depends on credit, equity, property type, occupancy, and the market that day.
Rates as of July 10, 2026
Today's Florida Refinance Rate Snapshot
| Product/term | Rate | APR | Points |
|---|---|---|---|
| Rate-and-term refinance30-year fixed | 6.250% | 6.286% | 0.04 |
| Cash-out refinance with $80,000 cash out30-year fixed | 7.000% | 7.041% | 0.07 |
Snapshot assumptions
Conventional refinance; 30-year fixed; $400,000 loan amount; 75% loan-to-value; 740 credit score; single-family home; primary residence; state: Florida; date generated: July 10, 2026. Cash-out row assumes $80,000 cash out.
Estimates are based on the stated assumptions. Rates change without notice. This is not a commitment to lend or an offer of credit. Your rate depends on your scenario. Atlantic Home Mortgage, LLC dba Lendtrain. NMLS #1844873. Equal Housing Opportunity.
Why Refinance in Florida With Lendtrain
See how Lendtrain helps Florida homeowners save on their mortgage refinance.
Closing Varies by County
Florida closing requirements vary by county — some require an attorney, others use a title company. We show your estimated costs upfront so you know what to expect in your county.
Wholesale Rates, Not Retail Markups
We search wholesale lenders for your rate and show you an estimate in about 30 seconds. Rates vary by profile and market.
Licensed in Florida
Lendtrain (NMLS# 1844873) is a licensed mortgage broker in Florida. We are a real brokerage, not a lead generation website.
Quick and Simple
A few questions about your current mortgage is all it takes. See your estimated savings in about 30 seconds — no application, no credit pull for your quote.
How It Works
No paperwork, no waiting on hold. Get a real rate quote, see your estimated closing costs, and find out how much you could save — in four simple steps.
Enter Your Mortgage Details
Answer a few quick questions about your current mortgage — or upload your mortgage statement and we'll pull your rate, balance, and loan type automatically.
Get Your Rate Quote
We pull live wholesale rates based on your exact scenario. No guessing — real numbers.
See Your Monthly Savings
See exactly how much you could lower your monthly mortgage payment, your breakeven timeline on closing costs, and total interest savings over the life of the loan.
Lock Your Rate and Apply
Ready to lock in your refinance rate? Apply online in minutes — no branch visit required.
Takes about 30 seconds. No credit check for your quote.
Frequently Asked Questions About Florida Refinancing
What are current refinance rates in Florida?
How much does it cost to refinance in Florida?
Is Lendtrain licensed in Florida?
Do I need a credit check to see my rate?
What loan types are available for Florida refinancing?
How long does it take to refinance in Florida?
How do you refinance your mortgage?
When does refinancing make sense?
How often can you refinance your mortgage?
Can you refinance with a different lender?
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Are mortgage refinance fees tax deductible?
Market facts on this page were last reviewed on . Each statistic is attributed to its source where it appears.
County Refinance Guides in Florida
County-level guides with sourced local market data — home values, loan limits, and the underwriting questions specific to each Florida county we serve.
Broward County
Broward's median home was built in 1980 (Census ACS 2024), and its condo associations are funding decades of deferred work. A Fort Lauderdale-area guide to paying for assessments, repairs, and re-running equity after a 4.6% value dip (Zillow).
Read the guide →Duval County
Jacksonville is Florida's most affordable big-county market — typical value $295,863 (Zillow, April 2026) — and one of the Southeast's largest Navy towns. A Duval guide to VA IRRRLs and equity that works at modest price points.
Read the guide →Hillsborough County
Tampa's two price gauges disagree: FHFA's annual index for Hillsborough rose 1.7% into 2025 while Zillow shows values down 3.2% on the year. A guide to reading both — and to the equity a 63% five-year climb left behind.
Read the guide →Lee County
Lee County is Florida's hardest-falling big market — typical value down 8.1% in a year (Zillow, April 2026) after Hurricane Ian's roughly $112 billion blow (NOAA). What falling values actually mean for Cape Coral refinances.
Read the guide →Miami-Dade County
Miami-Dade home prices rose about 80% from 2020 to 2025 — the strongest run of Florida's big counties (FHFA via FRED) — and a third of its housing sits in 20+ unit buildings (Census ACS 2024). A condo-literate refinance guide.
Read the guide →Orange County
Orlando's Orange County runs on planned communities: a 1994 median build year and a 56.8% owner-occupancy rate (Census ACS 2024) shape every refinance. HOA reviews, occupancy tiers, and the equity in a 56% five-year climb.
Read the guide →Palm Beach County
Palm Beach pairs the highest median income of Florida's big counties ($83,581, Census ACS 2024) with a 70.8% price climb since 2020 (FHFA via FRED). A guide to jumbo crossover, seasonal-resident pricing, and equity cushions.
Read the guide →Pinellas County
Pinellas has the oldest housing stock of Florida's big counties (median build 1977, Census ACS 2024) and took 2024's storms head-on. A St. Petersburg-Clearwater guide to repair funding, elevation questions, and honest values.
Read the guide →Related Refinance Pages
Refinance Your Miami-Dade County Home
Miami-Dade home prices rose about 80% from 2020 to 2025 — the strongest run of Florida's big counties (FHFA via FRED) — and a third of its housing sits in 20+ unit buildings (Census ACS 2024). A condo-literate refinance guide.
Check rates →Refinance Your Broward County Home
Broward's median home was built in 1980 (Census ACS 2024), and its condo associations are funding decades of deferred work. A Fort Lauderdale-area guide to paying for assessments, repairs, and re-running equity after a 4.6% value dip (Zillow).
Check rates →Refinance Your Palm Beach County Home
Palm Beach pairs the highest median income of Florida's big counties ($83,581, Census ACS 2024) with a 70.8% price climb since 2020 (FHFA via FRED). A guide to jumbo crossover, seasonal-resident pricing, and equity cushions.
Check rates →Cash-Out Refinance — Check Your Rate in 30 Seconds
Check cash-out refinance rates in about 30 seconds. Licensed mortgage broker (NMLS# 1844873). No credit check for your quote. See estimated cash available.
Check rates →Check Your Georgia Mortgage Refinance Rate
Check your Georgia mortgage refinance rate in about 30 seconds. Wholesale rates from a mortgage broker (NMLS# 1844873) headquartered in Alpharetta. Attorney-closing and intangible-tax costs itemized upfront. No credit check for your quote. Free rate check.
Check rates →Ready to Check Your Florida Rate?
Takes about 30 seconds. No credit check for your quote.
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Rate quotes are estimates based on the credit score you provide. Actual rates may differ based on verified credit, income, and property details.
Lendtrain (NMLS# 1844873) is licensed to originate mortgages in Florida. NMLS# 1844873.