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Find Mortgage Refinance Companies in Fernandina Beach, FL
Looking for a mortgage refinance company in Fernandina Beach? Review the directory below to compare your options.
16 agents listed
Updated May 2026
Fernandina Beach, 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 16 mortgage refinance companies in Fernandina Beach, 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.
Keith Strausburg - 8 Flags Home Loans LLC NMLS 2406016
1901 Island Walkway #112, Fernandina Beach, FL 32034
9047894880
Gateway Mortgage - Fernandina Mortgage with Paul
308 1/2 Centre St, Fernandina Beach, FL 32034
9049905075
Capital City Home Loans
1884 S 14th St, Fernandina Beach, FL 32034
9043014492
John Adams - VA & Renovation mortgage loan Specialist - #442266
3 S 2nd St, Fernandina Beach, FL 32034
9046395571
PrimeSouth Bank
1500 Sadler Rd, Fernandina Beach, FL 32034
9044323125
loanDepot
4800 1st Coast Hwy #60, Fernandina Beach, FL 32034
9046395571
Dave Mumbauer Loan Officer iMath Group with Cornerstone First Mortgage
501 Centre St Suite 123, Fernandina Beach, FL 32034
9045836901
Elaine Ritter
1333 Atlantic Ave, Fernandina Beach, FL 32034
9045761672
CrossView Mortgage
1901 Island Walkway, Fernandina Beach, FL 32034
9043259008
Ruben Perez at Loan Depot
3 S 2nd St, Fernandina Beach, FL 32034
3107210079
Union Home Mortgage
501 Centre St Suite #125, Fernandina Beach, FL 32034
9046183117
Cherry Creek Mortgage - Vincent Ortiz
2382 Sadler Rd Office 4, Fernandina Beach, FL 32034
4076259093
Atlantic Mortgage Consultants
1601 Nectarine St APT H7, Fernandina Beach, FL 32034
9042060189
Bank of America Home Mortgage
1830 S 8th St, Fernandina Beach, FL 32034
9044913371
Paul Moerman - Gateway Mortgage
308 1/2 Centre St, Fernandina Beach, FL 32034
9049905075
Elite Mortgage Resources
1890 S 14th St, Fernandina Beach, FL 32034
9044327692
Mortgage refinance companies in Fernandina Beach Florida help homeowners lower their interest rates or change loan terms. Florida law requires lenders to provide a Loan Estimate within three business days of application. Local lenders understand the Nassau County real estate market and can guide you through the refinance process.
What Does a Mortgage Refinance Company in Fernandina Beach Cost?
Typical costs for refinancing a mortgage in Florida include an appraisal fee of 400 to 700 dollars, title search and insurance of 500 to 1,500 dollars, and lender origination fees of 0.5 to 1 percent of the loan amount. Florida documentary stamp tax adds about 35 cents per 100 dollars borrowed. Total closing costs usually range from 2 to 5 percent of the loan principal. 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 Fernandina Beach?
You typically need recent pay stubs, tax returns, bank statements, and a photo ID. Florida lenders also require proof of homeowners insurance. The exact list varies by lender and loan type.
How long does a mortgage refinance take in Florida?
A typical refinance in Florida takes 30 to 45 days from application to closing. Delays can occur if the property appraisal or title work takes longer. Florida law does not set a specific time limit for the process.
Are there Florida specific fees for refinancing a mortgage?
Yes Florida charges documentary stamp taxes on the new mortgage note. The rate is 35 cents per 100 dollars of the loan amount. There may also be recording fees and intangible tax depending on the loan structure.
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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.