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Compare mortgage refinance companies in Neptune Beach. Review contact information and insurance categorys before you decide.
2 agents listed
Updated May 2026
Neptune 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 2 mortgage refinance companies in Neptune 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.
Vine Lending Team
2050 Kings Cir S Suite 3N, Neptune Beach, FL 32266
9049137916
Beaches Mortgage Company
1408 Forest Ave, Neptune Beach, FL 32266
4123021919
A mortgage refinance company in Neptune Beach Florida helps homeowners lower their rate or change loan terms. Florida law requires lenders to follow specific disclosure rules under Chapter 494 of the Florida Statutes. Local companies understand the unique property values and insurance costs in the Neptune Beach area.
What Does a Mortgage Refinance Company in Neptune Beach Cost?
Typical costs for a mortgage refinance in Florida range from 2 percent to 5 percent of the loan amount. This includes lender fees, appraisal fees, title insurance, and recording costs. For a 300,000 dollar loan, closing costs often fall between 6,000 and 15,000 dollars. Actual costs depend on your loan type, credit score, 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 documents do I need to refinance a home in Neptune Beach Florida?
You typically need pay stubs, tax returns, bank statements, and a current homeowners insurance policy. Florida law may also require a property survey or flood insurance documentation for coastal areas.
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 property needs a new appraisal or if title issues arise.
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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.