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Compare Mortgage Refinance Companies in Destin, FL

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

16 agents listed
Updated June 2026
Destin, 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 16 mortgage refinance companies in Destin, 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.
HomeFi Digital Mortgage
4008 Legendary Dr #300A, Destin, FL 32541
(850) 424-7277 homefi.us
PrimeLending, A PlainsCapital Company - Emerald Coast
864 US-98 E Suite A-7, Destin, FL 32541
(850) 837-7360 lo.primelending.com
Anastasia Shellhouse
4300 Legendary Dr, Destin, FL 32541
(813) 255-7982 findyourshell.com
Sean Frith at CrossCountry Mortgage
34990 Emerald Coast Pkwy #300, Destin, FL 32541
(877) 773-1226 ccm.com
Wendy Kotowske Seagle- Mortgage Loan Officer
36164 Emerald Coast Pkwy, Destin, FL 32541
(850) 499-1336 wendyseaglehomeloans.com
Andy Vogel, Mortgage Lender
4008 Legendary Dr Suite 300, Destin, FL 32541
(302) 242-9966 homefi.my1003app.com
Jordyn Lally - Mortgage Lender & NC Realtor
4008 Legendary Dr Suite 300, Destin, FL 32541
(919) 628-6581 serealtyandloanco.com
Noah Donatelli - Mortgage Loan Officer
36164 Emerald Coast Pkwy, Destin, FL 32541
(850) 822-0252
Tammy Frith at CrossCountry Mortgage
34990 Emerald Coast Pkwy #300, Destin, FL 32541
(877) 773-1226 teamfrith.com
Thom Arena HomeFI Mortgage
4008 Legendary Dr office 300g, Destin, FL 32541
(850) 865-8466 facebook.com
Bryan Crumpler, HomeFi Digital Mortgage
4008 Legendary Dr Suite 300, Destin, FL 32541
(254) 432-9751 homefi.us
Destin Mortgage | Fidelity Home Group
34990 Emerald Coast Pkwy suite 330, Destin, FL 32541
(850) 806-2375 destinflmortgage.com
Erin Buck
4008 Legendary Dr Suite 300, Destin, FL 32541
(850) 974-2480 homefi.my1003app.com
Joshua Lowey
4008 Legendary Dr Suite 300, Destin, FL 32541
(850) 218-0980 homefi.us
Motto Mortgage Resolutions
1234 Airport Rd STE 126, Destin, FL 32541
(850) 582-2893 mottomortgage.com
Dawn Wimer
4008 Legendary Dr Suite 300, Destin, FL 32541
(678) 923-6886 homefi.my1003app.com

Mortgage refinance companies in Destin Florida help homeowners lower their rate or change loan terms. Florida law requires lenders to provide a Loan Estimate within three business days of application. Local Destin companies understand the unique property values and insurance costs in the Panhandle region.

What Does a Mortgage Refinance Company in Destin Cost?

Typical costs for a mortgage refinance in Florida include an origination fee of 0.5 to 1.5 percent of the loan amount, appraisal fees of 400 to 700 dollars, and title insurance of 500 to 1,000 dollars. Florida documentary stamp tax adds about 3.50 dollars per 1,000 dollars of the new loan. Costs vary by loan size, lender, and property location. This is general information, 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 in Destin Florida?
You will need recent pay stubs, tax returns, bank statements, and proof of homeowners insurance. Florida lenders also require a property appraisal and a copy of your current mortgage note.
How long does a mortgage refinance take in 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. Florida law does not set a maximum time limit for refinancing.
Are there Florida-specific fees for refinancing?
Yes, Florida charges documentary stamp tax on the new mortgage note at a rate of 0.35 per 100 dollars. You may also pay intangible tax and recording fees. These costs vary by loan amount and county.

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