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Compare Mortgage Refinance Companies in St Pete Beach, FL
Looking for a mortgage refinance company in St Pete Beach? Review the directory below to compare your options.
4 agents listed
Updated May 2026
St Pete Beach, 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 4 mortgage refinance companies in St Pete Beach, 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.
Cindy Hunt at Guaranteed Rate Affinity (NMLS #368336)
6505 Gulf Blvd, St Pete Beach, FL 33706
7274246858
Kim Harestad - VanDyk Mortgage Corporation
5801 Gulf Blvd, St Pete Beach, FL 33706
7274582821
Shannon Johnston - Chase Home Lending Advisor - NMLS ID 1702552
4625 Gulf Blvd, St Pete Beach, FL 33706
8134409514
Vault Mortgage - Florida
104-B 8th Ave, St Pete Beach, FL 33706
9419201186
Mortgage refinance companies in St Pete Beach Florida help homeowners lower their interest rate or change loan terms. Florida law requires lenders to provide a Loan Estimate within three business days of application. Local lenders are familiar with Pinellas County property values and flood insurance requirements.
What Does a Mortgage Refinance Company in St Pete Beach Cost?
Typical costs for a mortgage refinance in Florida include an origination fee of 0.5 to 1 percent of the loan amount, appraisal fees from 400 to 700 dollars, and title insurance which can cost 500 to 1500 dollars. Florida documentary stamp tax adds about 3.50 dollars per 1000 dollars of the new loan. Total closing costs often 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 in St Pete Beach Florida?
You typically need recent pay stubs, tax returns, bank statements, and a copy of your homeowners insurance policy. Florida lenders also require proof of flood insurance if your property is in a flood zone.
How long does a mortgage refinance take in Florida?
A standard refinance in Florida usually takes 30 to 45 days from application to closing. Florida law does not set a specific time limit, but lenders must provide a Closing Disclosure at least three business days before closing.
Are there Florida specific costs for refinancing a mortgage?
Yes, Florida charges documentary stamp tax on the new loan amount at a rate of 0.35 percent. You may also pay recording fees and intangible tax. These costs vary by county and loan size.
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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.