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Mortgage Refinance Companies in Niceville, FL

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

15 agents listed
Updated June 2026
Niceville, 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 15 mortgage refinance companies in Niceville, 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.
Steve Schutt NMLS #342876 Movement Mortgage
1054 E John Sims Pkwy, Niceville, FL 32578
(850) 897-8971 movement.com
Bart Swan | Mortgage Lender
1382 E John Sims Pkwy, Niceville, FL 32578
(850) 678-4663 bartswan.com
The Greg Daniels Team - Princeton Mortgage
4591 E Hwy 20 Ste 202-C, Niceville, FL 32578
(850) 499-7705 gregadaniels.com
Mallory Fotiades, Mortgage Lender NMLS #1666711
4534 FL-20, Niceville, FL 32578
(910) 818-8378 malloryfotiades.com
Waterstone Mortgage Corporation
1845 E John Sims Pkwy, Niceville, FL 32578
(850) 279-4432 waterstonemortgage.com
Bright Light Land Title Company
4400 E Hwy 20 #505, Niceville, FL 32578
(850) 279-6900 brightlightlandtitle.com
heather calvo
1845 E John Sims Pkwy, Niceville, FL 32578
(850) 362-6901 waterstonemortgage.com
University Lending Group
2600 Partin Dr N Suite 310, Niceville, FL 32578
(850) 279-4630 universityloanofficer.mymortgage-online.com
TheParkerTeam at PrimeLending
4579 E Hwy 20 bldg 300 suite 320, Niceville, FL 32578
(850) 803-7661 parker.team
Trustmark
799 E John Sims Pkwy, Niceville, FL 32578
(850) 729-2265 trustmark.com
Beach Community Mortgage
100 Armstrong Ave, Niceville, FL 32578
(850) 678-3990 beachcommunitymortgage.com
Centennial Mortgage
1532 E John Sims Pkwy Unit A-2, Niceville, FL 32578
(850) 269-4714 my100bank.com
Assurance Financial - Niceville, FL
1382 E John Sims Pkwy, Niceville, FL 32578
(850) 343-4365 assurancemortgage.com
Regions Mortgage
1200 E John Sims Pkwy E, Niceville, FL 32578
(800) 325-6000 regions.com
PNC Mortgage
1130 E John Sims Pkwy, Niceville, FL 32578
(850) 678-7124 pnc.com

A mortgage refinance company in Niceville Florida can help you lower your rate or change your loan term. Florida law requires lenders to follow specific disclosure rules under the Truth in Lending Act. Local companies understand the Niceville real estate market and can guide you through the process.

What Does a Mortgage Refinance Company in Niceville Cost?

Typical costs for a mortgage refinance in Florida include an appraisal fee of 400 to 600 dollars, loan origination fees of 0.5 to 1 percent of the loan amount, and title insurance of 500 to 1,000 dollars. Florida documentary stamp tax adds roughly 35 cents per 100 dollars of the new loan. Closing costs usually range from 2 to 5 percent of the loan amount. 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 home in Niceville Florida?
You will need pay stubs, tax returns, bank statements, and a current mortgage statement. Florida lenders also require a property appraisal. Each lender may ask for additional items based on your situation.
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 work takes longer. Florida law does not set a specific time limit for the process.
Are there Florida specific fees for refinancing a mortgage?
Yes, Florida charges documentary stamp tax on the new loan amount. This tax is about 35 cents per 100 dollars borrowed. You may also pay recording fees and title insurance costs.

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