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Mortgage Refinance Companies in Melbourne, FL

Directory of mortgage refinance companies in Melbourne, Florida. Verify credentials with the state state mortgage licensing authority before hiring.

20 agents listed
Updated June 2026
Melbourne, 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 20 mortgage refinance companies in Melbourne, 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.
Morgan Financial
1441 N Harbor City Blvd, Melbourne, FL 32935
(321) 757-3570 morganfinancial.net
The Mortgage Firm Inc. Space Coast
930 S Harbor City Blvd Suite 304, Melbourne, FL 32901
(321) 701-0441 themortgagefirm.com
RMC Home Mortgage, LLC
1686 W Hibiscus Blvd Suite A, Melbourne, FL 32901
(877) 478-7369 rmchomemortgage.com
Future Home Loans Space Coast
524 N Harbor City Blvd, Melbourne, FL 32935
(321) 353-8600 future.loans
Dyer Mortgage, a Division of Primary Residential Mortgage, Inc.
10 S Harbor City Blvd, Melbourne, FL 32901
(321) 215-4419 dyermortgage.com
Revolution Mortgage - Ben Mitas & John Henderson
1900 S Harbor City Blvd Ste 209, Melbourne, FL 32901
(321) 317-8250 revolutionmortgage.com
Jennifer Kline at Neighborhood Loans - NMLS# 1574523
306 E Strawbridge Ave, Melbourne, FL 32901
(321) 684-1975 jenniferkline.us
Embrace Home Loans - Melbourne, FL
5500 Murrell Rd #201, Melbourne, FL 32940
(321) 821-1000 embracehomeloans.com
Fluent Mortgage Corp.
6905 N Wickham Rd Suite 402, Melbourne, FL 32940
(877) 735-8368 myfmloan.com
New American Funding - Jake LaBelle
5500 Murrell Rd #201, Melbourne, FL 32940
(802) 353-4724 newamericanfunding.com
Bay Equity LLC
501 E New Haven Ave, Melbourne, FL 32901
(321) 591-3064 bayequityhomeloans.com
Slam Dunk Home Loans
8530 N Wickham Rd STE 112, Melbourne, FL 32940
(407) 761-3797 slamdunkhomeloans.com
Ashley Stockrahm Mortgage Group- Edge Home Loans
4840 Dairy Rd STE 101, Melbourne, FL 32904
(321) 458-3725 ashleyflhomeloans.com
American Mortgage Loan Services, LLC
1243 N Harbor City Blvd Ste. A, Melbourne, FL 32935
(321) 723-6206 americanmortgagefl.com
Oceans Lending LLC
1740 Sarno Rd, Melbourne, FL 32935
(321) 339-2995 oceanslending.com
Hard Money Lenders Melbourne FL
1735 W Hibiscus Blvd, Melbourne, FL 32901
(321) 334-3915 hardmoneylendersmelbourne.com
Embrace Home Loans - Donny Panasis NMLS 1481372
5500 Murrell Rd #201, Melbourne, FL 32940
(321) 214-6327 donnypanasis.com
Jerrod Harlan, CrossCountry Mortgage
202 N Harbor City Blvd, Melbourne, FL 32935
(321) 537-4527 jerrodharlan.com
Jason McCloy at CrossCountry Mortgage
6023 Farcenda Pl Suite 102, Melbourne, FL 32940
(321) 405-1074 jasonmccloy.net
Community Credit Union of Florida-Indian Harbour Beach
293 E Eau Gallie Blvd, Melbourne, FL 32937
(321) 690-2328 ccuflorida.org

A mortgage refinance company in Melbourne Florida helps homeowners lower their rate or change loan terms. Florida law requires lenders to provide a Loan Estimate within three business days of application. Local companies understand Brevard County property values and can guide you through the process.

What Does a Mortgage Refinance Company in Melbourne Cost?

Typical costs for a mortgage refinance in Melbourne Florida range from 2 to 5 percent of the loan amount. This includes lender fees, appraisal fees, title insurance, and Florida documentary stamp tax. For a 200,000 dollar loan you might pay 4,000 to 10,000 dollars in total costs. Your actual costs depend on your loan amount, credit score, and lender. 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 in Melbourne Florida?
You typically need pay stubs, tax returns, bank statements, and a photo ID. Florida law does not require a specific document list but lenders follow federal guidelines. Your refinance company will give you a complete checklist.
How long does a mortgage refinance take in Florida?
A typical refinance in Florida takes 30 to 45 days from application to closing. Florida has a three day right of rescission for most refinances after you sign the documents. This waiting period is required by federal law.
Are there Florida specific fees for refinancing a mortgage?
Yes Florida charges documentary stamp tax on the new loan amount at a rate of 35 cents per 100 dollars. You may also pay recording fees and title insurance. These costs vary by county and loan size.

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