Miami: (305) 667-8776|Key West: (305) 292-3232
    |jorge@southatlanticfinancial.com
    South Atlantic Financial Services

    Refinance Your Mortgage

    Lower your payment, tap into your home's equity, or pay off your loan faster in Florida.

    Why Refinance Your Florida Home?

    Whether you're in Miami, the Florida Keys, or anywhere in South Florida, refinancing can offer significant financial benefits.

    Lower Your Monthly Payment

    If interest rates have dropped since you bought your home, refinancing to a lower rate can significantly reduce your monthly mortgage payment and save you thousands over the life of the loan.

    Shorten Your Loan Term

    Switching from a 30-year to a 15-year mortgage allows you to build equity faster and own your home free and clear much sooner, saving a massive amount in interest.

    Cash-Out Equity

    Use your home's equity to get cash for home improvements, consolidate high-interest debt, or cover major expenses like college tuition or medical bills.

    Refinance Calculator

    See how much you could save by refinancing your current mortgage.

    Refinance Calculator

    See how much you could save by refinancing

    $300,000
    6.5%
    30 Years
    $1,896.20
    5.5%
    30 Years
    New Monthly Payment (P&I)$1,703.37
    Monthly Savings$192.84

    * This is an estimate of Principal & Interest only. Taxes, insurance, and other fees are not included.

    Common Refinance Options

    Rate and Term Refinance

    The most common type of refinance. You replace your current mortgage with a new one that has a lower interest rate, a different term length, or both. The loan balance remains roughly the same.

    Cash-Out Refinance

    Replace your existing mortgage with a new one for a higher amount than you currently owe. You receive the difference in cash, which you can use for renovations, debt consolidation, or other needs.

    FHA Streamline Refinance

    A simplified process for homeowners who already have an FHA loan. It requires less documentation and often no appraisal, making it faster and easier to lower your rate.

    VA IRRRL (Streamline)

    The Interest Rate Reduction Refinance Loan is exclusively for veterans with an existing VA loan. It's designed to be quick and hassle-free, often requiring no appraisal or income verification.

    Jorge Rosabal

    Why Work With Jorge Rosabal?

    At South Atlantic Financial Services, we understand that refinancing your home is a major financial decision. As a local expert serving Miami, the Florida Keys, and South Florida, Jorge Rosabal provides personalized guidance tailored to your unique financial goals.

    • 30+ Years Experience: Over three decades of proven success in the mortgage industry.
    • Local Expertise: Deep understanding of the Florida real estate market and unique property types.
    • Competitive Rates: Access to a wide variety of loan programs to find the best rate for your situation.
    • 5-Star Service: A commitment to clear communication and a stress-free closing process.
    • Fast Approvals: Streamlined processing to get your loan closed quickly and efficiently.

    What Our Clients Say

    REVIEWS FROM OUR AMAZING CLIENTS!
    Our clients are at the center of everything we do. Their experiences reflect our dedication to clear guidance, trusted mortgage expertise, and a home-financing experience built around care and understanding.
    Reviews
    5.0
    (6)
    Jorge and I have been collaborating on Mortgages and Home Selling for nearly 15 years and he consistently demonstrates his dedication to his profession. He is compassionate about each and every client and works tirelessly to deliver the best product. While I shouldn't share this with the public, I know that I can reach out to him after hours and he'll be there to respond, so I encourage others who are looking to make the next move, to work with Jorge and his team!
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    Jorge and his team are simply the best. This is my second time working with them and they are always available to answer all of your questions, take their time explaining every detail, and always follow up even after the process is done. Definitely recommend.
    Posted on
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    Jorge was recommended to us for the closing of a secondary property purchase. His knowledge base, patience in answering my 1,000 questions, and professionalism are qualities we are so thankful for and hard to come by. Jorge and his staff are definitely above par, It’s not easy to find such professionals in the brokerage business. We highly recommend South Atlantic Financial Services for all of your mortgage needs, you won’t be disappointed. Thank you Jorge and the South Atlantic Financial team for all your guidance.
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    South Atlantic Financial was outstanding to work with during the purchase of my condo in FL. Doing business out of state is not always simple, however Audrey made sure she kept me informed at all times and was always available when I had questions. This team is truly professional, efficient, personable and I recommend them highly.
    Posted on
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    Jorge and his team are absolutely amazing. Throughout the entire process, Jorge kept me up to date with the latest news on the progress of my loan approval process. He was transparent from the very start and was professional all throughout the entire process. Jorge never delayed any responses to my questions and was always quick to get back to me. His team, Eydie and Audrey, are great as well, quickly replying to my emails, and were very organized every step of the way. If you need a mortgage broker, do not hesitate to reach out to South Atlantic Financial Services. They are truly committed to customer service and providing a wonderful home buying experience. Will definitely be referring friends and family to South Atlantic Financial Services.
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    Absolutely a great experience working with South Atlantic Financial Services. All of Jorge's staff is very pleasant and professional and not only that, Jorge ensures to call you to provide updates on your process and is transparent when working out the numbers. If a person is not familiar with the closing process it can be quite scary and the staff at South Atlantic and Jorge himself makes sure that you are hand-held and informed about the steps, fees, etc. the best the can. Highly recommend their services and if I could buy another property I'd definitely do it with them again. Thank you for your assistance and answering all my questions! -Pablo
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    Ready to Start Saving?

    Contact us today to see how much you could save with a mortgage refinance.

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