Refinance

Lower your rate, lower your payment

Just ask, “what do I qualify for?” and I’ll show you if refinancing makes sense right now.

Find Your MatchTry the refinance calculator

Why refinance?

Lower your interest rate and monthly payment
Shorten your loan term, pay it off faster
Switch ARM to fixed for stability
Tap into home equity (cash-out refinance)
Remove PMI once you’ve built enough equity

The process

  1. Step 1

    Reach out and tell me about your current loan and goal

  2. Step 2

    I’ll match you with refinance options based on your actual numbers

  3. Step 3

    We’ll go over rates and terms together, in plain language

  4. Step 4

    You choose the option that fits, no pressure

Quick facts

Closing costs typically run 2-6% of the loan amount
Worth it only if long-term savings outweigh that upfront cost

Loan options available

Fixed RateA steady interest rate and payment for the life of your loan. Popular 30-year and 15-year fixed-rate mortgages for Florida homebuyers.Learn more Adjustable Rate Mortgage (ARM)A lower starting rate that can adjust over time. Can fit borrowers who plan to move or refinance within a few years.Learn more Conforming LoansLoans that meet standard Fannie Mae and Freddie Mac guidelines and loan limits, a common choice for many Florida buyers.Learn more Jumbo & Super Jumbo LoansFinancing for higher-priced Florida homes that go beyond standard conforming loan limits.Learn more FHA, VA, & USDA LoansGovernment-backed programs with flexible options: FHA for many first-time buyers, VA for service members and veterans, and USDA for eligible rural areas.Learn more
Terms from 5 to 30 YearsPick a loan term that fits your budget, from shorter terms that save on interest to longer terms with lower monthly payments.

Today’s national averages

A weekly look at where average mortgage rates are across the country, so you have context before we talk about yours.

Current averages are temporarily unavailable. You can see the latest at freddiemac.com/pmms.

30-year fixed

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National average

15-year fixed

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National average

These are national weekly averages for borrowers with strong credit, reported by Freddie Mac’s Primary Mortgage Market Survey and provided by the Federal Reserve Bank of St. Louis (FRED). They are not offers, rate quotes, or Match Point Mortgage FL rates. Your actual rate depends on your credit, down payment, loan program, and property.

Get your personalized rate

Try the refinance calculatorSee your monthly savings and break-even point.

Open the calculator

Ready to find your match?

Find Your Match

This is general information, not a commitment to lend or a rate quote. Programs, limits, and eligibility vary by borrower and property and can change. Equal Housing Opportunity. Jermin Munoz, Mortgage Loan Originator, NMLS# 2689451.