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 5 mortgage refinance companies in Lutz, 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.
Innovative Mortgage Services Corporate Office
17717 Hunting Bow Cir #101, Lutz, FL 33558
7272224575
Lendworkz Mortgage
18711 N Dale Mabry Hwy, Lutz, FL 33548
8132993320
Newrez LLC
25200 Sawyer Francis Ln Suite 108, Lutz, FL 33559
8134174020
Bayer Loan Team, Powered by EMM Loans LLC
24714 FL-54, Lutz, FL 33559
8138984718
ALL WESTERN MORTGAGE - Anthony G. Canizares Elite Team
25200 Sawyer Francis Ln #141, Lutz, FL 33559
8134935000
What Does a Mortgage Refinance Company in Lutz Cost?
Typical costs for a mortgage refinance in Florida range from 2% to 6% of the loan amount. For a $200,000 loan, this means $4,000 to $12,000 in fees including appraisal, title search, and origination charges. Florida also charges documentary stamp taxes on the new loan, usually around $0.35 per $100 of the loan amount. These costs vary by lender and loan type. 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 is the typical timeline for a mortgage refinance in Lutz Florida?
A standard refinance in Florida usually takes 30 to 45 days from application to closing. Florida law allows a three-day rescission period after signing, giving you time to cancel without penalty. Delays can occur if an appraisal or title work takes longer.
Are there Florida specific rules for refinancing a homestead property?
Yes, Florida homestead properties have special protections under Article X of the Florida Constitution. Refinancing a homestead does not affect your homestead tax exemption. However, the lender will require title insurance and may need a survey of the property.
What documents do I need for a mortgage refinance in Lutz?
You generally need recent pay stubs, tax returns, bank statements, and a photo ID. Florida lenders also require proof of homeowners insurance and a property appraisal. Self-employed borrowers may need additional profit and loss statements.