Low rates.
No junk fees.
Fast Closings.

Mortgage Interest Rates are at historical lows. With the Holidays here, now is the perfect time to refinance your home and reduce your interest rate or get cash out. Use your home’s equity to consolidate debt or make home improvements. Our digital process removes costs and expedites everything. Get started today.

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5 out of 5 Stars

How it Works

When you’re ready to get started, our refinance experts are ready, too. Our online application is available 24/7 and takes less than ten minutes. Have questions? Call us at (850) 424-7277.

Apply Online

Our online application takes less than 10 minutes to complete and is available 24/7 from any device.

Get Started
Get Approved

Use the HomeFi® customer portal to submit documents digitally and receive a Prequalified Approval Letter.

Close Your Loan

Use the customer portal to track your progress and get to closing fast. Close from anywhere with an approved e-notary closing agent.

Our digital process gets
people talking

5 out of 5

Best Ever

They truly went above and beyond and will always have my gratitude for all of the work and care they put into my situation. I would recommend them above anyone out there and could not be happier with my experience. – Heather R. from Orlando, FL
November, 2020

Very Professional

They are a very professional and organized group. They are easy to work with and make sure they keep communication open. I especially enjoyed working with Sherry our processor! Great job! – Ed S. from Pensacola, FL
October, 2020

Great Company

I was very pleased with my refinance with HomeFi. I worked with Brandon and Sherry and they both were great. I got a better rate than my own mtg. company offered. Everything went quickly and easily. I have already recommended my neighbor. – Jim A. from Destin, FL
October, 2020

Frequently Asked Questions

How long does it take?

A refinance typically takes between 30 and 45 days to complete. However, each scenario is different. No one can tell you exactly how long your refinance will take. Appraisals, customer responsiveness and even natural disasters are all things that can affect the timing of a refinance. At HomeFi, customers are able to log in to their customer portal 24/7 and see exactly where they are in the process and what milestone is next.

How much does it cost?

The cost to refinance a mortgage can range from 2% to 6% of your loan amount, depending on several factors including the type of programs available to you and where you live. HomeFi does not charge junk fees that other mortgage companies charge, saving our customers hundreds and sometimes thousands of dollars in refinance closing costs.

Do I have to pull cash out when I refinance?

No! There can be huge benefits for refinancing a mortgage without pulling any cash out: 1) Reduce your interest rate and monthly payment; 2) Eliminate PMI or mortgage insurance premiums; 3) Switch from an adjustable rate mortgage or other mortgage types to a fixed rate mortgage.

How much cash will I need to bring to closing?

In most cases, borrowers do not need to bring any cash to close. There are some types of programs and some scenarios where borrowers may choose to bring cash to closing, but typically, most or all of the costs required to refinance a mortgage are added into the loan.

What documents are required?

The documents required for a refinance varies depending on the loan type. Most refinance loans will require credit, income, insurance, real estate taxes, HOA and other types of documentation. HomeFi’s digital customer portal makes turning your documents in quick and easy, saving time and expediting the refinance process.

How much cash can I take out?

The amount of cash you can pull out of the equity you have in your home depends on several factors. Here are a few important factors: 1) how much your home is worth as determined by a third party certified appraiser; 2) the balance of your current mortgage; 3) the total amount of closing costs required to complete the refinance; 4) the loan programs available to you; 5) your debt-to-income ratio. HomeFi’s expert mortgage consultants can help you pick the program that is just right for you.

What can I do with the cash I take out?

Homeowners use cash-out refinance loans for many reasons. However, some reasons are “better” and make more financial sense than others. Here are a few ways customers use a cash-out refinance: 1) Home improvement projects; 2) Pay off high interest credit card debt; 3) Buy an investment property or second home; 4) Protect a business against cash-flow emergencies.

What’s the difference between a cash-out refinance and a HELOC?

When you complete a cash-out refinance, you pay off any current mortgages you may have and replace it with a new mortgage. A cash-out refinance allows you to convert equity in your home to cash up to a certain loan-to-value (LTV is dependent on the loan program you choose and other factors). A HELOC (home equity line of credit) is usually taken out in addition to your existing first mortgage. It is considered a second mortgage and will have its own term and repayment schedule separate from your first mortgage. HELOC loans have little to no closing costs, but can have higher interest rates that are typically adjustable.

Apply Now

Our online application takes less than 10 minutes to complete! Get started now! Have questions? Call us at (850) 424-7277

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