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Compare Mortgage Refinance Companies in Niceville, FL
Directory of mortgage refinance companies in Niceville, Florida. Verify credentials with the state mortgage licensing authority before hiring.
15 agents listed
Updated May 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 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
8508978971
Bart Swan | Mortgage Lender
1382 E John Sims Pkwy, Niceville, FL 32578
8506784663
The Greg Daniels Team - Princeton Mortgage
4591 E Hwy 20 Ste 202-C, Niceville, FL 32578
8504997705
Mallory Fotiades, Mortgage Lender NMLS #1666711
4534 FL-20, Niceville, FL 32578
9108188378
Waterstone Mortgage Corporation
1845 E John Sims Pkwy, Niceville, FL 32578
8502794432
Bright Light Land Title Company
4400 E Hwy 20 #505, Niceville, FL 32578
8502796900
heather calvo
1845 E John Sims Pkwy, Niceville, FL 32578
8503626901
University Lending Group
2600 Partin Dr N Suite 310, Niceville, FL 32578
8502794630
TheParkerTeam at PrimeLending
4579 E Hwy 20 bldg 300 suite 320, Niceville, FL 32578
8508037661
Trustmark
799 E John Sims Pkwy, Niceville, FL 32578
8507292265
Beach Community Mortgage
100 Armstrong Ave, Niceville, FL 32578
8506783990
Centennial Mortgage
1532 E John Sims Pkwy Unit A-2, Niceville, FL 32578
8502694714
Assurance Financial - Niceville, FL
1382 E John Sims Pkwy, Niceville, FL 32578
8503434365
Regions Mortgage
1200 E John Sims Pkwy E, Niceville, FL 32578
8003256000
PNC Mortgage
1130 E John Sims Pkwy, Niceville, FL 32578
8506787124
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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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.