MORTGAGE REFINANCE
Refinance Your Florida Home & Unlock Savings
Lower your monthly payment, access equity with cash-out, or shorten your loan term. Use our free refinance calculator and home value estimator to see how much you can save.
Start Refinancing TodayWhy Refinance Now?
Florida home values have appreciated significantly — many homeowners have substantial equity to tap. Whether you want lower rates, cash for renovations, debt consolidation, or to remove PMI, we have options.
- Rate-and-term refinance to lower payment
- Cash-out for home improvements or debt payoff
- VA IRRRL streamlined refinance
- Non-QM options for unique situations
Estimate Your Home’s Current Value & Equity
Provide your home details below and we’ll get back to you with a personalized estimate of your Florida home’s current value and available equity for refinance.
We’ll respond quickly with a professional estimate based on current Florida market data.
Refinance Savings Calculator
Calculate Your Potential Savings
Principal & interest only. Does not include taxes/insurance changes.
Benefits of Refinancing with Jhenesis Mortgage
Lower Monthly Payments
Reduce your rate and save hundreds per month.
Cash Out Equity
Access funds for renovations, debt consolidation, or investments.
Shorten Loan Term
Pay off your mortgage faster and build equity quicker.
Expert Florida Guidance
Navigate condo rules, flood zones, and local market trends.
Rate-and-Term Refinance: Lower Your Mortgage Payments and Save Big
Discover the benefits of a rate-and-term refinance with Jhenesis Mortgage – the smart way to lower your monthly mortgage payment, secure a lower interest rate, or shorten your loan term without cashing out equity.
A rate-and-term refinance (also known as a no-cash-out refinance) allows you to replace your existing mortgage with a new one featuring better rates and terms. If interest rates have dropped since you bought your home, now is the perfect time to refinance and lock in savings.
It’s a straightforward process designed to put more money back in your pocket. Let the experts at Jhenesis Mortgage guide you every step of the way, making your mortgage refinance easy and stress-free.
Ready to explore rate-and-term refinance options and start saving? Click below to get your free refinance quote today!
Cash-Out Refinance: Tap Into Your Home Equity for Cash Today
Unlock the power of your home’s equity with a cash-out refinance from Jhenesis Mortgage – the smartest way to access cash from home equity while potentially securing a lower interest rate than credit cards or personal loans.
A cash-out refinance replaces your current mortgage with a larger one, giving you the difference in cash. Use it for home improvements, debt consolidation, medical bills, college tuition, or any major expense – all while keeping one low monthly payment.
Whether you’re planning a kitchen remodel, roof replacement, or simply want to consolidate debt and boost your financial freedom, Jhenesis Mortgage makes the cash-out refinance process simple, fast, and stress-free.
Ready to turn your home equity into cash? Get your free cash-out refinance quote today and see how much you can unlock – click below now!
VA IRRRL: Streamline Your VA Loan Refinance and Lower Your Payments
Discover the benefits of a VA IRRRL (Interest Rate Reduction Refinance Loan) with Jhenesis Mortgage – the fastest and easiest way for veterans and active-duty service members to lower VA mortgage payments and secure a lower interest rate.
The VA IRRRL, also known as the VA streamline refinance, is designed exclusively for homeowners with an existing VA loan. It allows you to refinance into a new VA loan with better terms, often with no appraisal required, no income verification, and minimal paperwork – making it one of the simplest refinance options available.
Perfect for honoring your service while saving money each month, the VA IRRRL refinance puts more cash back in your pocket for family, retirement, or whatever matters most.
At Jhenesis Mortgage, our dedicated VA loan specialists guide you through every step of your VA refinance, ensuring a smooth, stress-free experience.
Ready to simplify your mortgage and start saving with a VA IRRRL? Get your free VA refinance quote today – click below now!
Non-QM Loans: Flexible Mortgage Options for Self-Employed and Non-Traditional Borrowers
Explore Non-QM loan options with Jhenesis Mortgage – the ideal solution for self-employed borrowers, real estate investors, gig workers, recent graduates, or anyone with non-traditional income who doesn’t fit strict conventional mortgage guidelines.
Non-QM mortgages (Non-Qualified Mortgages) offer flexible underwriting that goes beyond credit scores and W-2s, allowing qualification based on bank statements, assets, rental income, or other alternative documentation. Non-QM loans are surging in popularity due to tighter traditional lending rules and diverse borrower needs.
Don’t let standard lending criteria limit your homeownership goals. Our Non-QM expert team at Jhenesis Mortgage works closely with you to tailor the best non-qualified mortgage solution for your unique situation, making the process straightforward and efficient.
Ready to discover Non-QM mortgage options that fit your life? Get your free Non-QM quote today and unlock flexible financing – click below now!
Debt Consolidation Refinance: Simplify Your Finances and Save on Interest
Take control of your finances with debt consolidation refinance from Jhenesis Mortgage – the powerful way to consolidate high-interest debt using your home equity and replace multiple payments with one affordable mortgage payment.
A debt consolidation mortgage refinance (often through a cash-out refinance) lets you tap into your home’s equity to pay off credit cards, personal loans, medical bills, or other high-interest debts – typically at a much lower interest rate than unsecured loans.
If high-interest debt is weighing you down, home equity debt consolidation offers a smart, long-term solution to regain financial freedom.
The experienced refinancing team at Jhenesis Mortgage will guide you through every step of the debt consolidation refinance process, ensuring it’s clear, straightforward, and tailored to your needs.
Ready to simplify your payments and start saving? Get your free debt consolidation quote today – click below now!
Remove PMI: Eliminate Private Mortgage Insurance and Lower Your Payments
Stop paying unnecessary private mortgage insurance (PMI) with Jhenesis Mortgage’s PMI removal refinance options – the smart way to eliminate PMI, reduce your monthly mortgage payment, and keep more money in your pocket every month.
If you originally put less than 20% down on your conventional loan, PMI is likely adding hundreds of dollars to your payment each year. Once you’ve built up 20% equity through home value appreciation, extra payments, or improvements, you can remove PMI permanently through refinancing.
Say goodbye to extra costs and hello to real savings. Our experienced team at Jhenesis Mortgage makes the PMI removal process fast, straightforward, and stress-free, guiding you every step of the way.
Ready to remove private mortgage insurance and start saving? Get your free PMI removal quote today – click below now!
