Florida mortgage refinance.
Cash-out, VA IRRRL, FHA Streamline, jumbo, and DSCR refinance — from a Florida-licensed broker serving Tampa, Orlando, Naples, Jacksonville, Miami, and every coastal market.
Refinancing in Florida in 2026
Florida's post-2020 appreciation left most long-tenured owners with meaningful equity, and refinance strategy splits sharply by region. Naples, Destin, 30A, Key West, and Sarasota generate the bulk of jumbo and DSCR cash-out refinances — high property values plus active short-term rental demand. Tampa, Orlando, Jacksonville, Cape Coral, and Fort Myers are dominated by conventional and FHA refinancing, with a large VA IRRRL pipeline in military markets.
Two Florida-specific notes: Refinancing does not disturb your homestead exemption when the property remains your primary residence. In coastal counties, insurance quotes should be started the day the refi begins — carrier availability and premium changes can otherwise delay closing.
Florida refinance programs
Rate-and-term refinance
Lower your rate or shorten your term without taking cash out.
Cash-out refinance
Pull equity for renovations, investments, or debt payoff — up to 80% LTV conventional, 100% VA.
Learn moreJumbo refinance
Naples, Sarasota, Miami, Key West, Destin, 30A — high-value coastal properties.
Learn moreFlorida city refinance guides
Each guide includes 2020-buyer equity estimates, max cash-out at 80% LTV, break-even analysis, and county loan limits.
Florida refinance FAQ
Does refinancing affect my Florida homestead exemption?+
No — refinancing your mortgage does not disturb your homestead exemption as long as the property remains your primary residence. You do not need to reapply for homestead after a refi. The exemption is tied to the property, not the loan.
How does Florida's insurance market affect a refinance?+
Lenders require proof of active hazard insurance (and windstorm / flood where applicable) at closing. In coastal counties, rising premiums and carrier availability can slow the file — start shopping insurance the day you begin the refi so quotes are in hand when the appraiser goes out.
How long does a Florida refinance take?+
Most Florida refinances close in 21–35 days. FHA Streamline and VA IRRRL can close in 14–21 days because they skip appraisal and income documentation.
Is Tayton Capital licensed in Florida?+
Yes — Tayton Capital LLC (NMLS #2106875) is a Florida-licensed mortgage broker originating refinance loans statewide, from Jacksonville and Miami to Tampa, Orlando, Naples, Destin, Sarasota, and the Keys.
Get your Florida refinance options.
Free scenario — real rate quote, no obligation, usually same day.