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Find Mortgage Refinance Companies Near You in St Cloud, FL

Looking for a mortgage refinance company in St Cloud? Review the directory below to compare your options.

13 agents listed
Updated June 2026
St Cloud, 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 13 mortgage refinance companies in St Cloud, 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.
The Mortgage Firm- Saint Cloud Branch
1123 Florida Ave, St Cloud, FL 34769
(407) 593-0173 themortgagefirm.com
Ulysses Escobar, Mortgage Broker
1010 Pennsylvania Ave, St Cloud, FL 34769
(407) 837-6884 barrettfinancial.com
Nelson Monge - Element Mortgage Branch Manager
707 13th St, St Cloud, FL 34769
(407) 301-3931 apmobile.apmortgage.com
Cathy Done - Movement Mortgage
1418 S Narcoossee Rd, St Cloud, FL 34771
(407) 360-4593 movement.com
Douglas De Almeida
3744 Briarwood Estates Cir, St Cloud, FL 34772
(508) 345-4749
Better Option Home Loans
5226 Northern Flicker Dr, St Cloud, FL 34771
(407) 754-6581 betteroptionhomeloans.com
Wolf's Crossing Mortgage
4601 Neptune Rd, St Cloud, FL 34769
(407) 752-2227
Mortgage, Bank of America
4300 13th St, St Cloud, FL 34769
(321) 895-7797 bankofamerica.com
Mortgage Market Financial
4305 Neptune Rd, St Cloud, FL 34769
(407) 935-9511 mortgagemarketfinancial.com
Chase Mortgage
4355 13th St, St Cloud, FL 34769
(407) 892-6870 chase.com
Sebastian Luna, Mortgage Broker
1010 Pennsylvania Ave, St Cloud, FL 34769
(915) 783-7101 barrettfinacial.com
Wolf's Crossing Mortgage - Juan Vasquez
4601 Neptune Rd, St Cloud, FL 34769
(407) 409-9319 wolfsmortgage.com
PNC Mortgage
2500 13th St, St Cloud, FL 34769
(407) 892-7137 pnc.com

Mortgage refinance companies in St Cloud Florida help 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 St Cloud lenders understand the Osceola County housing market and can guide you through the refinance process.

What Does a Mortgage Refinance Company in St Cloud Cost?

Typical costs for a mortgage refinance in Florida range from 2 to 5 percent of the loan amount. This includes an appraisal fee of 400 to 700 dollars, title search and insurance costs of 500 to 1500 dollars, and lender origination fees of 0.5 to 1 percent of the loan. Actual costs vary by lender, loan size, and property location. 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 St Cloud Florida?
You will need recent pay stubs, tax returns, bank statements, and a photo ID. Florida lenders also require proof of homeowners insurance. The exact list depends on your loan type and lender.
How long does a mortgage refinance take in St Cloud Florida?
A typical refinance in Florida takes 30 to 45 days from application to closing. Delays can happen if the appraisal or title search takes longer. Your lender must provide a Closing Disclosure at least three business days before closing.
Are there Florida specific rules for refinancing a mortgage?
Yes Florida has a homestead exemption that may affect your property taxes after refinancing. Florida also requires a 10 day right of rescission for most refinances. This gives you time to cancel the loan without penalty.

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