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Mortgage Refinance Companies in Palatka, FL

Directory of mortgage refinance companies in Palatka, Florida. Verify credentials with the state state mortgage licensing authority before hiring.

15 agents listed
Updated June 2026
Palatka, 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 State Mortgage Licensing Authority of Florida before hiring.
Showing 15 mortgage refinance companies in Palatka, 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.
Advance America
316 FL-19, Palatka, FL 32177
(386) 328-9515 advanceamerica.net
VyStar Credit Union
510 State Rd 19 S, Palatka, FL 32177
(386) 328-3303 vystarcu.org
Lending Bear
701 Reid St, Palatka, FL 32177
(386) 328-8853 lendingbear.com
Gullett Title Inc
401 St Johns Ave, Palatka, FL 32177
(386) 328-5106 gulletttitle.com
Ameris Bank
100 FL-19, Palatka, FL 32177
(386) 325-3770 banks.amerisbank.com
Mariner Finance
308 FL-19, Palatka, FL 32177
(386) 329-8988 locations.marinerfinance.com
Ameris Bank
601 Reid St, Palatka, FL 32177
(386) 328-5154 banks.amerisbank.com
Guaranty Title
213 N 4th St, Palatka, FL 32177
(386) 325-4576 closewithgtc.com
OneMain Financial
835 FL-19, Palatka, FL 32177
(386) 328-1449 onemainfinancial.com
SouthState Bank
350 S State Rd 19, Palatka, FL 32177
(386) 328-5600 southstatebank.com
Farm Credit of Florida
309 N 2nd St, Palatka, FL 32177
(386) 328-2744 farmcreditfl.com
Michelle Calhoun - Mortgage Loan Officer
101 FL-19, Palatka, FL 32177
(352) 281-0669 td.com
New American Funding - Stone Keefauver
421 St Johns Ave ste 7, Palatka, FL 32177
(321) 295-6656 newamericanfunding.com
Bee Mortgage App
320 St Johns Ave suite 103, Palatka, FL 32177
(855) 626-1999 beemortgageapp.com
Gateway Mortgage Group
514 S Palm Ave Ste B, Palatka, FL 32177
(386) 530-7753

A mortgage refinance company in Palatka, Florida helps homeowners lower their interest rate or change loan terms. Florida law requires lenders to provide a Loan Estimate within three business days of application. Local companies in Palatka understand the Putnam County real estate market and can guide you through the refinance process.

What Does a Mortgage Refinance Company in Palatka Cost?

Typical costs for a mortgage refinance in Florida include an origination fee of 0.5% to 1% of the loan amount, appraisal fees from 400 to 700 dollars, and title insurance costs around 500 to 1,000 dollars. Closing costs in Palatka generally range from 2% to 5% 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 Palatka Florida?
You typically need recent pay stubs, W-2 forms, tax returns, bank statements, and proof of homeowners insurance. Florida lenders also require a property appraisal to confirm the home value.
How long does a mortgage refinance take in Florida?
A standard refinance in Florida usually takes 30 to 45 days from application to closing. The process can be faster if you provide all required documents promptly.
Are there Florida specific laws about mortgage refinancing?
Yes, Florida Statute 494 covers mortgage broker and lender licensing. Also, Florida law requires a three day right of rescission for refinances on your primary residence, giving you time to cancel after signing.

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