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Compare mortgage refinance companies in Clearwater. Review contact information and insurance categorys before you decide.
20 agents listed
Updated May 2026
Clearwater, FL
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Florida before hiring.
Showing 20 mortgage refinance companies in Clearwater, FL
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
VanDyk Mortgage Corporation
13577 Feather Sound Dr # 100, Clearwater, FL 33762
8885727759
Katie Blake at Guaranteed Rate
2701 Sunset Point Rd, Clearwater, FL 33759
7272642075
McCaughan Home Lending (Powered by Lower, LLC) - Clearwater Branch
2454 McMullen Booth Rd Suite 716, Clearwater, FL 33759
8138200009
Green Oak Lending Group, LLC
13575 58th St N Suite 241, Clearwater, FL 33760
8887884654
Ruth Schoenherr, Mortgage Broker
1402 Sunset Dr, Clearwater, FL 33755
7274472418
Money Street Mortgage, LLC
29399 US Hwy 19 N STE 350, Clearwater, FL 33761
7275455626
Best Finance
600 Cleveland St Ste 248, Clearwater, FL 33755
8135827432
SafePoint Mortgage
1727 Coachman Plaza Dr Suite 210, Clearwater, FL 33759
7272284545
Choice Real Estate Funding, LLC
551 S Duncan Ave, Clearwater, FL 33756
7277243800
Sean Moore - VanDyk Mortgage Corporation
14141 46th St N STE 1201 Suite 1213, Clearwater, FL 33762
7274554768
Florida's Best Reverse Mortgage Company (Clearwater/St. Pete)
13575 58th St N Ste 108, Clearwater, FL 33760
7278286061
Christian Rodriguez- Home Choice Lending LLC- Clearwater, FL
5225 Tech Data Dr Suite 200: Office #2051, Clearwater, FL 33760
6033914803
Florida's Best Mortgage Company
13575 58th St N Ste 108, Clearwater, FL 33760
7275384257
A mortgage refinance company in Clearwater Florida helps homeowners replace their existing home loan with a new one. Florida law requires lenders to provide a Loan Estimate within three business days of application. Clearwater residents often refinance to lower their interest rate or switch from an adjustable rate to a fixed rate mortgage.
What Does a Mortgage Refinance Company in Clearwater Cost?
Typical costs for a mortgage refinance in Clearwater Florida range from 2% to 5% of the loan amount. Common fees include an origination fee of 0.5% to 1%, an appraisal fee of $400 to $700, and title insurance costs of $500 to $1,000. Florida law requires lenders to disclose all fees in the Loan Estimate. Costs vary by loan size and lender. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What is the minimum time to refinance after buying a home in Clearwater Florida?
There is no state law requiring a waiting period. However many lenders require you to wait at least six months after your original loan closing. This is a standard industry practice and not a Florida statute.
Do Florida refinance companies require a home appraisal?
Most lenders in Clearwater require a new appraisal to determine your homes current value. Florida law does not mandate an appraisal but it is common for loan amounts over a certain threshold. Some lenders offer no appraisal refinance options for certain government backed loans.
What Florida taxes apply when refinancing a home?
Florida does not impose a state income tax on refinance proceeds. You will pay documentary stamp taxes on any new note amount that exceeds the old loan balance. These taxes are based on the county rate and are collected at closing.
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About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Florida.