Refinance
A Mortgage That Fits Where You Are Today
Explore refinancing options for your current mortgage and financial goals, with guidance from an experienced loan specialist.
Answer a few short questions and a Merchant One Financial loan specialist will follow up. No obligation.
- Review your current loan and goals with a loan specialist
- Compare potential refinance approaches side by side
- No obligation to move forward
Personalized Guidance
Experienced mortgage professionals
Multiple Options
Access to multiple mortgage solutions
Florida Expertise
Serving homeowners throughout Florida
No Obligation
Explore available options without a commitment
Get Started
Explore My Refinance Options
Answer a few quick questions. A Merchant One Financial loan specialist will review the information you provide.
Refinance Goals
Why Homeowners Explore Refinancing
Every situation is different. These are some of the objectives homeowners commonly discuss with a loan specialist.
Change Your Loan Structure
Explore changing your loan term, or moving between a fixed-rate and an adjustable-rate structure, depending on the programs you are eligible for.
Access Equity Where Appropriate
A cash-out refinance replaces your current mortgage with a new, larger loan. It may make sense for some homeowners and not for others.
Consolidate Mortgage-Related Financing
If you have a first mortgage plus a second lien or HELOC, a refinance may be one way to combine them into a single loan, subject to eligibility.
Move Between Eligible Programs
Some homeowners explore moving from one loan program to another, such as from an FHA loan to a conventional loan, when they qualify.
An Honest Conversation
Is Refinancing Right for You?
Refinancing is not the right move for everyone. A new loan comes with its own closing costs, terms and qualification requirements, and the outcome depends on your situation, including your current loan, your home’s value, your credit and how long you plan to stay in the home.
Our role is to help you understand your options clearly so you can make an informed decision. Sometimes that means refinancing. Sometimes it means keeping the loan you have.
Want to access equity without replacing your current first mortgage? A HELOC or home equity loan may be an alternative. Explore home equity options.
Questions Worth Asking
- What is my main goal for refinancing?
- How long do I plan to stay in the home?
- What would the new loan cost to close?
- How does the new loan compare with my current loan over time?
How It Works
A Simple, Guided Process
Share your goals
Tell us about your current mortgage, your property and what you would like to accomplish.
Review your options
A loan specialist reviews your information and walks you through refinance programs that may be available to you.
Decide what fits
If you decide to move forward, we help guide you through the application process.
FAQ
Refinance Questions, Answered
What does it mean to refinance a mortgage?
Refinancing replaces your existing mortgage with a new loan. The new loan may have a different term, rate type, loan amount or program than your current mortgage.
Will refinancing lower my monthly payment?
Not necessarily. Whether a refinance changes your payment depends on the new loan’s terms, the loan amount, closing costs and your current loan. A loan specialist can help you compare scenarios before you decide.
What is a cash-out refinance?
A cash-out refinance replaces your current mortgage with a new, larger loan, and you receive the difference at closing, subject to eligibility and program limits. Because it replaces your first mortgage, it is worth comparing with alternatives such as a HELOC or home equity loan.
Are there costs to refinance?
Yes. Refinancing typically involves closing costs and fees, similar to when you obtained your original mortgage. Your loan specialist can explain the estimated costs for your scenario.
Can I refinance an FHA or VA loan?
Options may be available depending on your current loan and eligibility. Talk with a loan specialist about the programs that may apply to your situation.
Refinancing replaces your current mortgage and involves closing costs. Whether refinancing makes sense depends on your individual circumstances. This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines and property eligibility. Programs, rates and terms are subject to change without notice.
Ready to Explore Your Refinance Options?
Tell us about your goals or call to speak with a loan specialist.
Merchant One Financial LLC — your trusted Florida mortgage broker since 2015.
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Our Locations
Largo
12800 Indian Rocks Rd #5c
Largo, FL 33774
Belleair
2401 West Bay Dr #4110
Largo, FL 33770
Merchant One Financial LLC · NMLS #1469870 · NMLS Consumer Access
This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines and property eligibility. Programs, rates and terms are subject to change without notice.
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