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Find Mortgage Refinance Companies in Winter Haven, FL
Compare mortgage refinance companies in Winter Haven. Review contact information and insurance categorys before you decide.
17 agents listed
Updated May 2026
Winter Haven, 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 17 mortgage refinance companies in Winter Haven, 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.
290 Cypress Gardens Blvd E, Winter Haven, FL 33880
8632990082
Dwaine Jones Motto Mortgage Homewise
264 W Central Ave Suite A, Winter Haven, FL 33880
8634144662
David Thornton - Lower Mortgage
429 1st St S, Winter Haven, FL 33880
8632877115
Mortgages & More, LLC
810 1st St S, Winter Haven, FL 33880
8632967181
American Liberty Mortgage - Polk County - Winter Haven, FL
223 7th St SW, Winter Haven, FL 33880
8636561177
Ovidio Sardinas - Home Loans
25 5th St NW, Winter Haven, FL 33881
8634102210
First Mortgage Corporation of Winter Haven
1810 6th St SE, Winter Haven, FL 33880
8632943254
Atlas Mortgage, Inc.
333 6th St SW, Winter Haven, FL 33880
8632936669
Primary Residential Mortgage, Inc.
332 Ave B SW Ste 200, Winter Haven, FL 33880
4019439200
Motto Mortgage Homewise
264 W Central Ave Suite A, Winter Haven, FL 33880
8632363868
Jack Summers at CrossCountry Mortgage, LLC
635 1st St S, Winter Haven, FL 33880
8635577750
Chase Mortgage
1350 6th St NW, Winter Haven, FL 33881
8632915540
A mortgage refinance company in Winter Haven Florida helps homeowners replace their existing home loan with a new one. Florida law requires lenders to provide a Loan Estimate within three business days of application. Local companies understand the Winter Haven housing market and can guide you through the process.
What Does a Mortgage Refinance Company in Winter Haven Cost?
Typical costs for a mortgage refinance in Florida include an origination fee of 0.5% to 1% of the loan amount, an appraisal fee of $400 to $700, and title insurance costs of $500 to $1,500. Closing costs in Winter Haven often 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 for a mortgage refinance in Winter Haven?
You typically need recent pay stubs, tax returns, bank statements, and a photo ID. Florida lenders may also ask for proof of homeowners insurance and a property appraisal.
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 appraisal or title search takes longer.
Are there Florida specific rules for refinancing a homestead property?
Yes. Florida law protects homestead properties from most creditors. When refinancing a homestead, the lender must comply with Florida homestead exemption rules and provide clear disclosure of terms.
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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.