Ready to Refinance?

Do more with your Home’s Equity

Get a Cost Benefit Analysis

If applying for a home loan can be simplified, so can refinancing. We’ve made the process for refinancing your home faster and easier because, well, who wants it to be long and complicated? The home refinancing process is simplified.

Our Process Step-By-Step  

Tell Us About Your Financial Goals

We want to help position you to meet your financial goals by learning more about you & those goals to determine the best solutions.

We Review and Crunch the Numbers

We will review your current situation vs. the new scenario options to help you make the best decision.

Lock It in

When you make a decision, we will lock in your interest rate and option to solidify the new mortgage.

Financial Goals Achieved!

Congratulations! You have just met your financial goals to improve your situation.

What Our Clients Have To Say

Morgan Financial and it’s employees went above and beyond other banks to support us. It was obvious from the start that my satisfaction was a priority to them and they exceeded even the high expectations that they set for my loan. I was not just a number to them. I was treated as though I was the most important business venture for them and I appreciated that. They worked late nights and early mornings to get me into my dream home. I would highly recommend this bank to anyone who is willing to listen.

Jonathan W

You guys were so awesome. Being a realtor, I’ve gone through many loan experiences with clients. This has been the best experience…6 days from Application to Clear to Close for a VA loan…that just doesn’t happen with any other lender. Your communication was outstanding and such a smooth process. I will highly recommend you to any future clients looking to receive a loan. Thanks again!!

Robin S.

My experience was nothing short of 5 star treatment throughout this very stressful process of attaining a new home!! Everyone on the Morgan “team” is professional with great communication within their team and client. Always keeping everyone informed and on task to the end goal of closing date!!. Which was met hands down.

Susan G.
Great experience. Friendly staff that made me feel like they wanted my business. Excellent communication keeping me up to date. Timely responses to my questions. Promised not to lose my business over rate, and gave me the exact terms I asked for. Recommend them without reservation.
Tom R.

It was a very pleasant & professional experience; starting with Scott Dunn, then followed by Robert Valdes.. requests for additional information were clear and communications were timely & concise. Thank you Scott & Robert, my two consistent contacts.

Lou R.

I had a wonderful experience. The team I worked with were very informative, friendly, and helped me with every step along the way. Communication throughout the entire process was above and beyond expectations. Buying a home can be very stressful. Shannon Edwards and her team at Morgan Financial helped make my loan process go smoothly and prepared me for every step along the way, so I could focus on finding my perfect home. I would highly recommend Morgan Financial and especially Shannon Edwards and her team. Thank you All so very much!

Amy W.

Contact one of our Refinance Experts:

David Fitzsimmons

Mortgage Loan Originator NMLS ID# 2029864

David Fitzsimmons

Mortgage Loan Originator NMLS ID# 2029864

"You miss 100% of the shots you don't take." - Wayne Gretzky

David brings his previous experience in management and in the mortgage industry to his role as one of our Mortgage Loan Originators here at Morgan Financial. Outgoing, reliable, and a team player, David spends his days working with business partners to ensure that our clients have an excellent mortgage experience. For David, success to him is having the people around him succeed!

When he's not at work, you can find David playing basketball or spending time by the pool with his family!

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Melbourne, FL

Johanna Bennett

Mortgage Loan Originator NMLS ID# 2088848

Johanna Bennett

Mortgage Loan Originator NMLS ID# 2088848

“Attitude is a choice. Happiness is a choice. Optimism is a choice. Kindness is a choice. Giving is a choice. Respect is a choice. Whatever choice you make, makes you. Choose wisely.” – Roy T. Bennett

Johanna is one of our Loan Officer Assistants and brings both her extensive experience in customer service and 4 years in the financial industry to her role. She assists in the loan process by communicating and building relationships with clients, making appointments, and collecting documents. Johanna values giving clients the best possible mortgage experience.

When Johanna’s not at work, she enjoys going to the gym and spending time outdoors; kayaking, running, hiking, or just hitting the beach. Johanna also volunteers with the High Schoolers at Calvary Chapel Melbourne.

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Rob Hathaway

Mortgage Loan Originator NMLS ID# 2145467 P: 321-417-0257

Rob Hathaway

Mortgage Loan Originator NMLS ID# 2145467 P: 321-417-0257

“In every dream journey there comes a moment when you have to quit living as if the purpose of life is to arrive safely at death. You have to go after a dream that is destined to fail without divine intervention.” – Mark Batterson

Rob brings his honest, diligent, and reliable approach to his role as one of our Mortgage Loan Originators here at Morgan Financial. Rob’s days consist of guiding our clients through the loan process to ensure a seamless and enjoyable experience from start to finish.

In his free time, Rob enjoys golfing, spending time at the beach with family and friends, sports, socializing, and occasionally a peaceful Florida rainy day. He and his wife serve Sunday mornings with the Viera East Coast Christian Center Church!

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Rick Townsend

Mortgage Loan Originator NMLS ID# 562893 P: 321-417-0268

Rick Townsend

Mortgage Loan Originator NMLS ID# 562893 P: 321-417-0268

“People have to be given the freedom to show the heart they possess. I think it’s a leader’s responsibility to provide that type of freedom. And I believe it can be done through relationships and family. Because if a team is a real family, its members want to show you their hearts.” Mike Krzyzewski

Rick brings his extensive background in the finance industry and over 19 years in financial services to his role here at Morgan Financial. As Mortgage Loan Originator, Rick spends his days assists his clients in choosing the right finance product for their mortgage needs and managing the process from start to finish, all while building meaningful and transparent relationships.

A true Brevard local, Rick has served as the Assistant Coach for Viera/Suntree Little League, Viera Regional Park Basketball League, and Coastal Man O War Travel Baseball. When he’s not originating loans, Rick enjoys playing sports, working on his home and yard, and spending time with his family.

Derek Sichler

Sales Manager NMLS ID# 331186

Derek Sichler

Sales Manager NMLS ID# 331186

"It's not the size of the dog in the fight, it's the size of the fight in the dog." - Mark Twain

With 16 years of experience in finance and banking, Derek has been involved in thousands of mortgage transactions. Through his long career and years of experience, he has had numerous opportunities to serve his clients and provide sound financial advice in all respects. Furthermore, he has found that Morgan Financial matches his core beliefs of upholding honesty and integrity in both his personal and professional life.

Derek and his wife, Deanne, live in Melbourne together with their two teenage boys, Jordan and Caden. In his spare time, he is an active member of the Church at Viera as well as a coach and board member at Space Coast United Soccer Club.

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Charlie Gutierrez

Mortgage Loan Originator NMLS ID# 476628 P: 321-722-7506

Charlie Gutierrez

Mortgage Loan Originator NMLS ID# 476628 P: 321-722-7506

"We must communicate in a way that leaves no room for interpretation."

With over half a decade of professional experience, Charlie brings high achievement, great values, and a strong work ethic to Morgan Financial. As a member of the United States Coast Guard for the last 16 years, he understands the importance of serving the community, and he uses his drive to serve his clients, both military and civilian, to the best of his ability.

Charlie lives at home with his wife of 16 years and his two boys. In his spare time, Charlie volunteers for the Viera Suntree Little League where he serves as League President on the Board of Directors. He is also looked up to as a great coach by children of the community, leading his basketball team to an undefeated season in 2017.

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Mary Cables

Mortgage Loan Originator NMLS ID# 1684545 P: 321-417-0271

Mary Cables

Mortgage Loan Originator NMLS ID# 1684545 P: 321-417-0271

“Helping one person might not change the whole world, but it could change the world for one person.” – Author Unknown

Mary’s determined, dependable and welcoming personality, in addition to her 10 years in the industry, makes her a terrific Mortgage Loan Originator. Working with our clients to understand their needs and providing the best mortgage options is Mary’s main objective. She strives each day to provide the best service to every single client who comes to Morgan Financial and works hard to keep their mortgage on track.

Mary lives here in Brevard with her husband and three children. In her spare time, Mary enjoys quality time with her family by going to the beach, swimming, playing video games together, or watching movies. Her philosophy is to have fun, enjoy life, and help others.

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Scott Dunn

Mortgage Loan Originator NMLS ID# 1448245 P: 321-722-7513

Scott Dunn

Mortgage Loan Originator NMLS ID# 1448245 P: 321-722-7513

“Life is ten percent what happens to you and ninety percent how you respond to it.” – Lou Holtz

Scott brings the honor, discipline, and strength of a soldier to Morgan Financial and the industry. He uses his experience in the military and his Bachelor's degree in Technical Management to assist both veterans and civilians with achieving their dreams of owning a home.

One of Scott’s greatest prizes in life is his wonderful family. He is married to his wife of 18 years, and they have 4 adult children together who are all moving on to great things with their lives. When he is not spending time with his family, he is riding on his motorcycle and using that hobby to serve the community. As the Chairman of the American Legion Riders, he has helped to raise over $100,000 to help homeless veterans.

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Shannon Edwards

Mortgage Loan Originator NMLS ID# 996628 P: 321-417-0260

Shannon Edwards

Mortgage Loan Originator NMLS ID# 996628 P: 321-417-0260

“If your dreams don’t scare you, they aren’t big enough.” – Ellen Johnson

Shannon is one of our Loan Officers here at Morgan Financial, and has been in the mortgage industry for 15 years, 5 of those as an Underwriter. Shannon has also been a processor, closer, and marketing director for a title company in the past. Resourceful, trustworthy, and loyal, Shannon works with buyers and homeowners to be their resource of information, to guide and educate, and communicate with all parties involved throughout the loan process.

Shannon is the Co-Founder of Girl Gone CEO, and on her off days enjoys going to theme parks and spending time with her family, her rescue dog, and two red-footed tortoises. Her philosophy on life is to be a mentor, have a mentor, always try to improve yourself, be there for family and friends when they need you, and go for it!

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Skylar Nelson

Mortgage Loan Originator NMLS ID# 2068149 P: 321-351-5698

Skylar Nelson

Mortgage Loan Originator NMLS ID# 2068149 P: 321-351-5698

“You do not just wake up and become the butterfly, growth is a process.” – Rupi Kaur

Skylar brings her hardworking and fun-loving attitude to her role, as well as her bachelor’s degree in Finance and Accounting and a minor in Psychology. Day to day, Skylar guides clients through collecting documentation, keeps everyone informed on loan milestone updates, and facilitates many operations through the loan process.

When she's not at work, you can find Skylar spending time outdoors, with family, caring for her animals – including her monarch butterfly farm, and she stays involved with the local community. Skylar has previously volunteered for 4 years at the Brevard zoo, 7 years at Wuesthoff Hospital, and participates in local beach clean-ups!

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Nic Nazon

Mortgage Loan Originator NMLS ID# 2108587

Nic Nazon

Mortgage Loan Originator NMLS ID# 2108587

“Our lives begin to end the day we become silent about things that matter.” – Martin Luther King Jr.

As one of our Loan Officers, Nic ensures customers have the best Morgan Financial experience possible. While guiding clients through the mortgage loan process, Nic brings his kind, ambitious, and loyal approach to his role. When it comes to his work, Nic most enjoys meeting and communicating with new people daily.

In his spare time, Nic loves to golf, workout, watch sports, and spend time with family. Nic is also a Youth Soccer Coach at Space Coast United and lives by his philosophy to live today, learn from yesterday, and prepare for tomorrow.

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Talk with an Expert

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