What is a mortgage refinance?

A mortgage refinance replaces your existing home loan with a new one, often to secure a lower interest rate, reduce monthly payments, change loan terms, or access home equity through cash-out.

When is the best time to refinance my mortgage?

Refinance when interest rates drop (current 30-year fixed refinance rates are around 6.35% as of December 2025), you have improved credit, or you want to switch from adjustable to fixed rate, shorten your term, or tap equity.

How much can I save by refinancing?

Savings depend on your loan size, rate reduction, and term. Even a 0.5% rate drop can save thousands over the loan life. Use our free refinance calculator below to estimate your personal savings.

What are current mortgage refinance rates?

As of December 17, 2025, average 30-year fixed refinance rates are approximately 6.35%. Rates change daily — contact us for a personalized quote.

How long does the refinance process take?

Most refinances close in 30-45 days. We streamline the process with secure online applications and expert guidance.

Can I do a cash-out refinance?

Yes! Cash-out refinances let you tap your home equity for home improvements, debt consolidation, or other needs, as shown in our client success stories.

How do I apply for a refinance with Jhenesis Mortgage?

Start your secure online application in minutes using the button below, or contact us for a free consultation.

Apply for Mortgage Refinance | Lower Your Rates & Save Thousands | Jhenesis Mortgage

Jhenesis Mortgage

Call: (407) 630-9766

Refinance Your Mortgage & Save Thousands

Current refinance rates are around 6.35% (December 2025). Lower your monthly payment, shorten your term, or access cash-out equity with a fast, hassle-free refinance from Jhenesis Mortgage — your trusted Florida mortgage experts.

Calculate Your Savings Free Start Refinance Application

Why Refinance Your Mortgage Today?

Lower Monthly Payments

Secure a lower interest rate and reduce your monthly mortgage payment, freeing up money for other goals.

Cash-Out Equity

Access your home’s equity for renovations, debt consolidation, education, or major purchases.

Shorten Your Loan Term

Switch to a 15- or 20-year loan to pay off your mortgage faster and save on interest.

Switch Loan Types

Move from FHA to conventional, remove PMI, or switch from adjustable to fixed rate for stability.

Your Free Refinance Savings Calculator

Enter your details to instantly see potential monthly savings and breakeven point. No email required.

Current Mortgage Balance ($)

Current Interest Rate (%)

Remaining Term (years)

Proposed New Rate (%)

New Loan Term (years)

Estimated Closing Costs ($)

Your Estimated Results

Current Monthly Payment: $

New Monthly Payment: $

Monthly Savings: $

Breakeven Point: months

Apply Now to Lock This Rate

Real Client Success Stories

Orlando homeowners who used a cash-out refinance or HELOC with Jhenesis Mortgage to install a beautiful pool

Get in Touch

We’re here to answer any questions and help you get started on your home financing journey. Contact us today for personalized assistance.

Phone:
407-630-9766

Email:
info@jhenesismortgage.com

Website:
www.jhenesismortgage.com

Start Your Mortgage Application

Send Us a Message

Get a Free Mortgage Quote | Jhenesis Mortgage

Buy or Refinance a Home Today!

Get a personalized quote in minutes with Jhenesis Mortgage

Call: 407-630-9766 | Email: info@jhenesismortgage.com

Get Your Free Quote

First things first,
How can we help you achieve your homeownership goals?

Buy a Home Refinance

Purchase Details
When would you like to buy? Property State Property City (enter city name) Property Zip Code Which type of home are you planning to buy? Which property type are you planning to purchase? Are you working with a real estate agent?
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How much home can you afford? (optional) Have you or your spouse served in the military?
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Refinance Details
What type of loan do you have? Property Address Line 1 Property Address Line 2 (optional) Property City Property State Property Zip Code What is your best estimate of your property’s value? What is the remaining balance on your existing mortgage? What is the interest rate on your current mortgage? (%)

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www.jhenesismortgage.com | Call: 407-630-9766