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Find Mortgage Refinance Companies Near You in DeBary, FL
Directory of mortgage refinance companies in DeBary, Florida. Verify credentials with the state mortgage licensing authority before hiring.
6 agents listed
Updated May 2026
DeBary, 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 6 mortgage refinance companies in DeBary, 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.
Smarthouse Lending
363 Spruce Pine Dr, DeBary, FL 32713
8133803081
Kristin Eck - NextMortgage
9 Dogwood Trail Ste B, DeBary, FL 32713
4076171874
The Mortgage Firm - West Volusia
138 S Charles Richard Beall Blvd, DeBary, FL 32713
3865166091
Home Loans of Florida, LLC
98 S Charles Richard Beall Blvd, DeBary, FL 32713
3867038920
Antonio O'Ferral - NextMortgage
9 Dogwood Trail Ste B, DeBary, FL 32713
9195241925
McBride Mortgage Group
35B S Charles Richard Beall Blvd, DeBary, FL 32713
3526122680
A mortgage refinance company in DeBary Florida helps homeowners adjust their loan terms or lower their interest rate. Florida law requires lenders to provide a Loan Estimate within three business days of application. Local companies understand the Volusia County property market and can guide you through the process.
What Does a Mortgage Refinance Company in DeBary Cost?
Typical costs for a mortgage refinance in Florida include an origination fee of 0.5 to 1 percent of the loan amount, an appraisal fee of 400 to 700 dollars, and title insurance of 500 to 1,000 dollars. Florida documentary stamp tax adds about 3.50 dollars per 1,000 dollars of the new loan. Total closing costs often range from 2 to 5 percent of the loan amount. 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 documents do I need to refinance a mortgage in DeBary Florida?
You typically need pay stubs, tax returns, bank statements, and a recent home appraisal. Florida law does not require extra documents beyond standard federal guidelines. Your lender will provide a specific list based on your loan type.
How long does a mortgage refinance take in Florida?
A standard refinance in Florida usually takes 30 to 45 days from application to closing. Delays can occur if the appraisal takes longer or if title issues arise. Florida has no statutory time limit for refinances, but lenders must follow federal disclosure timelines.
Are there Florida specific taxes or fees when refinancing a mortgage?
Florida charges a documentary stamp tax on the new mortgage note, which is typically 0.35 percent of the loan amount. You may also pay recording fees and intangible tax. These costs are disclosed on your Closing Disclosure form.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
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.