ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Compare Mortgage Refinance Companies in Land O' Lakes, FL
Compare mortgage refinance companies in Land O' Lakes. Review contact information and insurance categorys before you decide.
2 agents listed
Updated May 2026
Land O' Lakes, 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 2 mortgage refinance companies in Land O' Lakes, 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.
SunPoint Home Loans
2638 Stonewood Pk Lp, Land O' Lakes, FL 34638
8139207916
Equifirst Lending, LLC
7842 Land O' Lakes Blvd #105, Land O' Lakes, FL 34638
8134186916
Mortgage refinance companies in Land O Lakes Florida help homeowners lower their interest rates or change loan terms. Florida law requires lenders to provide a Loan Estimate within three business days of application. Local lenders understand Pasco County property values and can guide you through the refinance process.
What Does a Mortgage Refinance Company in Land O' Lakes Cost?
Typical costs for a mortgage refinance in Florida range from 2% to 5% of the loan amount. This includes lender fees, appraisal fees (usually $400 to $700), title insurance, and recording fees. Florida charges a documentary stamp tax on the new loan, which varies by county. For a $200,000 loan, total closing costs might be $4,000 to $10,000. Your actual costs depend on your loan size, credit score, and lender. 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 is the typical timeline for a mortgage refinance in Land O Lakes?
A standard refinance in Florida takes 30 to 45 days from application to closing. Delays can occur if an appraisal or title search is needed. Your lender will provide a timeline estimate after reviewing your file.
Are there Florida specific laws that affect mortgage refinancing?
Florida has a homestead exemption that may impact your property taxes after refinancing. Also, Florida law requires a 7 day rescission period for refinances on your primary home. This gives you time to cancel the loan without penalty.
What documents do I need to refinance my mortgage in Land O Lakes?
You will need recent pay stubs, tax returns, bank statements, and a government issued ID. Florida lenders may also ask for proof of homeowners insurance. Having these ready can speed up the process.
Free • No Obligation
Compare Mortgage Refinance Companies
Get matched with agents in Land O' Lakes who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
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.