Your Mortgage Options To Get Lower Rate
As a Florida homeowner, you’re likely looking to secure the best possible mortgage deal — whether that’s rate and term refinance florida, tapping into home equity, or simply understanding today’s competitive options to avoid overpaying.
Right now in January 2026, Florida mortgage rates are hovering in the low-to-mid 6% range for a 30-year fixed (around 6.0%–6.38% depending on your credit, lender, and exact terms), with 15-year fixed often lower (around 5.1%–6.0%). Rates have eased from recent peaks, creating a solid window for many homeowners to refinance, lower monthly payments, or explore cash-out options.
Jhenesis Mortgage – Florida & Orlando
407-630-9766 • info@jhenesismortgage.com
Refinance Your Florida Home in 2026
Lower Your Rate • Reduce Monthly Payments • Cash-Out Equity • Flexible HELOC
Popular Florida Refinance Options Right Now
Lower Rate Refinance
Drop your interest rate and save hundreds every month.
Best for: Current rates 1%+ higher than todayCash-Out Refinance
Access your home equity for renovations, debt consolidation, investments.
Popular uses in FL: hurricane-proofing, pool, medical billsHELOC – Home Equity Line
Flexible credit line – draw only what you need, pay interest only on used amount.
Current trend: Most requested product in Central FL 2026Ready to Save Money? Let’s Talk.
At Jhenesis Mortgage — a trusted Florida-based mortgage broker serving homeowners across FL— we specialize in personalized solutions that match your unique financial situation.
Don’t leave money on the table with outdated rates or hidden fees. Understanding your full range of options is the key to saving thousands over the life of your loan.
Ready to see what personalized rate and program could work best for you? Reach out to Jhenesis Mortgage today for a fast, no-obligation quote.
Call us at 407-630-9766 or visit jhenesismortgage.com to get started. We’re here to make the process easy, transparent, and tailored just for you — let’s get you the best deal possible!
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.