Mortgage Refinance in Florida

Rate-and-term and cash-out refinance options.

Refinancing your Florida mortgage can lower your monthly payment, shorten your term, drop mortgage insurance, or turn home equity into cash for what matters next.

Witte Mortgage runs a free break-even analysis before you refinance — so you know exactly how long it takes to recoup closing costs and whether the numbers actually work.

We shop conventional, FHA, VA IRRRL, and jumbo refinance programs. Cash-out refinance is available up to program-max LTV for primary residences, second homes, and investment properties.

Available to qualified Florida borrowers statewide — including Tampa, St. Petersburg, Orlando, Miami, Fort Lauderdale, Jacksonville, Naples, Fort Myers, Sarasota, Gainesville, Tallahassee, and the Panhandle.

Serving all of Florida Licensed NMLS #627790 Mon–Sat, 8am–5pm EST (727) 336-0680

Highlights

Rate-and-term refinance

Lower your rate, shorten your term, or drop PMI.

Cash-out refinance

Tap equity for renovations, debt consolidation, or investment.

VA IRRRL

Streamlined VA-to-VA refinance with reduced documentation for eligible veterans.

Investment property refinance

Refinance rentals with conventional or DSCR programs.

Apply Now

Apply for your mortgage online

Start your secure online application. It takes about 15 minutes, saves as you go, and lets you upload documents right from your phone or laptop.

Apply Now

Secure encrypted application About 15 minutes

Applying does not affect your credit score until you authorize a credit pull. This is not a commitment to lend.

How it works

Our four-step process

A clear, transparent path from first conversation to closing — designed to save you time and remove surprises.

1. Free discovery call

Share your goals, timeline, and situation. Peter listens first — no pressure, no cookie-cutter pitch.

2. Program shopping

We compare programs across our lender and carrier network to identify the best fit for your scenario.

3. Application & underwriting

Clean document intake, straight talk on conditions, and proactive updates so nothing stalls.

4. Close & follow-through

We coordinate closing, then stay available for future refinances, renewals, and referrals.

Why Florida clients choose Witte Mortgage

Independent Florida broker

Not tied to one bank or carrier — we shop the market so your interests come first.

Direct access to Peter

You work with a licensed professional (NMLS #627790), not a call center rep.

Statewide Florida coverage

Tampa Bay to Miami, Jacksonville to the Panhandle — we know local markets.

Transparent, honest quotes

Clear breakdowns of rate, fees, and total cost — no bait-and-switch.

Fast, responsive service

Same-day replies during business hours and evening/weekend flexibility.

Long-term relationship

Most of our business comes from repeat clients and referrals — we play the long game.

FAQs

Frequently asked questions

How soon can I refinance after buying?+

Most conventional refinances require 6 months of seasoning; cash-out typically 6–12 months depending on program.

Will refinancing hurt my credit?+

A single hard inquiry has minimal short-term impact. Most borrowers recover within a couple of months.

What is the break-even point?+

Divide total closing costs by monthly savings — that's how many months to recoup. Peter runs this for free.

Residential Lending

Related residential lending programs

Explore other programs in this category — many clients combine or compare options before deciding.

Mortgage Refinance available across Florida

Peter serves clients statewide. Click any market to start a conversation about your goals.

Schedule a consultation

Ready to talk about residential lending?

Pick a time that works for you. Peter will reach out to discuss your situation and next steps.

Back to Residential Lending