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Find Mortgage Refinance Companies in Fort Walton Beach, FL
Directory of mortgage refinance companies in Fort Walton Beach, Florida. Verify credentials with the state mortgage licensing authority before hiring.
20 agents listed
Updated May 2026
Fort Walton Beach, 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 20 mortgage refinance companies in Fort Walton Beach, 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.
Douglas Team - Movement Mortgage
709 Eglin Pkwy NE, Fort Walton Beach, FL 32547
8506211616
Waterstone Mortgage Corporation
123 Staff Dr NE, Fort Walton Beach, FL 32548
8503626901
Bank of England Mortgage
348 Miracle Strip Pkwy SW Suite 39, Fort Walton Beach, FL 32548
8503626488
Mortgage Apex
196 Miracle Strip Pkwy SE Unit I, Fort Walton Beach, FL 32548
8507494972
PrimeLending, A PlainsCapital Company - Niceville-Bluewater Bay
26 Racetrack Rd NW A, Fort Walton Beach, FL 32547
8506091010
AJ DiCarlo Branch Manager at CrossCountry Mortgage
139 Beal Pkwy SW UNIT 104, Fort Walton Beach, FL 32548
8507336981
Sheryl Douglas
709 Eglin Pkwy NE, Fort Walton Beach, FL 32547
8506211616
PrimeLending, A PlainsCapital Company - Ft. Walton Beach
26 Racetrack Rd NW A, Fort Walton Beach, FL 32547
8506091010
loanDepot Emerald Coast
348 Miracle Strip Pkwy SW #23, Fort Walton Beach, FL 32548
8505336122
Supreme Lending- CBM Team
165 Brooks St SE UNIT A, Fort Walton Beach, FL 32548
8504611474
New American Funding - Fort Walton, FL
348 Miracle Strip Pkwy SW Ste. 17, Fort Walton Beach, FL 32548
8502043651
Sarah Johnson at Veterans Lending Group
21 Miracle Strip Pkwy SE, Fort Walton Beach, FL 32548
8503081612
PrimeLending, A PlainsCapital Company - Navarre
26 Racetrack Rd NW A, Fort Walton Beach, FL 32547
8503967095
Climb Mortgage
105 Lewis St Suite 204, Fort Walton Beach, FL 32547
8777644294
Dawn Hoffman
123 Staff Dr NE, Fort Walton Beach, FL 32548
8502189772
Beth Mangum - Waterstone Mortgage
123 Staff Dr NE, Fort Walton Beach, FL 32548
8506428412
Mortgage One of the South Inc
15 Eglin Pkwy NE, Fort Walton Beach, FL 32548
8507962100
Jason Wilbur at CrossCountry Mortgage
21 Miracle Strip Pkwy SE, Fort Walton Beach, FL 32548
8502667292
Stacey Grimes at CrossCountry Mortgage
21 Miracle Strip Pkwy SE, Fort Walton Beach, FL 32548
8505432126
University Lending Group
185 Brooks St SE, Fort Walton Beach, FL 32548
8505867070
A mortgage refinance company in Fort Walton Beach Florida helps homeowners replace their existing home loan with a new one. Florida law allows for a homestead property tax exemption which can affect your overall savings when refinancing. Local companies understand the unique real estate market of Okaloosa County and the Emerald Coast region.
What Does a Mortgage Refinance Company in Fort Walton Beach Cost?
Typical costs for a mortgage refinance in Fort Walton Beach Florida include an application fee of $300 to $500, an appraisal fee of $400 to $700, and title insurance costs of $500 to $1,500. Florida documentary stamp tax and intangible tax add approximately $0.37 per $100 of the loan amount. Closing costs generally 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 to refinance a mortgage in Fort Walton Beach Florida?
You will typically need recent pay stubs, W-2 forms, tax returns, bank statements, and a valid photo ID. Florida law requires lenders to provide a Loan Estimate within three business days of application. Your refinance company will guide you through the full list based on your loan type.
How long does a mortgage refinance take in Florida?
A typical mortgage refinance in Florida takes 30 to 45 days from application to closing. Florida has a 7 day right of rescission period for most refinances, giving you three business days to cancel after signing. Delays can occur if an appraisal or title work is needed.
Are there Florida specific taxes or fees when refinancing a mortgage?
Florida charges a documentary stamp tax on the new mortgage note, which is typically $0.35 per $100 of the loan amount. There is also an intangible tax of $0.002 per $100. These taxes are paid at closing and can add hundreds of dollars to your costs depending on the loan size.
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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.