Home Loan Refinance
Lower Your Monthly Payment with Morgan Financial
Planning to reduce your monthly mortgage payment or tap into your home’s equity? Looking for home loan refinance near you? Your search can stop now! We are a trusted home refinance lender, known for our efficient process, responsive team, and competitive rates. Whether you’re aiming for a lower interest rate, or getting cash out, we make refinancing simple and stress-free.
Ready to Refinance?

Take Cash Out
Use the equity you’ve built in your home over the years to your full advantage with a cash-out refinance.

Explore Refinance Options
Learn more about which refinance options might fit your needs so that you can make the most of your mortgage!

VA Loan Refinance
For eligible veterans utilizing their benefits with a VA loan, explore your available refinance options.
If You’re Looking To Refinance Your Current Home Loan, You’re in the Right Place! Refinancing Can Help You:
- Shorten Your Term
- Lower Your Interest Rate
- Consolidate Debts
- Remodel Your Home
- And More

What Our Clients Say About Us
EXCELLENT Based on 308 reviews Jacob Albright2025-07-18Trustindex verifies that the original source of the review is Google. Mary and her team were available whenever I needed them including nights and weekends. I am extremely satisfied with their service and will be using them again for my next purchase. Peter McNamara2025-07-17Trustindex verifies that the original source of the review is Google. Jasmine and Mary were fantastic to work with! Jasmine kept us on track and answered any questions that we had. I cannot describe just how thankful we were for Jasmines assistance and guidance. Mary was extremely insightful providing realistic information that helped us make sound decisions. She always made time for us to discuss any buying scenarios and we closed fast and on time! Aaron Burkhardt2025-07-01Trustindex verifies that the original source of the review is Google. Simple and easy loan process. Got my approvals very quickly. John Blakey2025-06-27Trustindex verifies that the original source of the review is Google. All the workers were very knowledgeable and made purchase of a home easy even when I had to reschedule. I got a great mortgage rate and can’t wait to get into my new home. Jim Amell2025-06-16Trustindex verifies that the original source of the review is Google. The entire home buying mortgage process with Morgan Financial went very smoothly. I would recommend them in the future. Maria Bustamante2025-06-02Trustindex verifies that the original source of the review is Google. Beautiful, easy transaction. The best experience in our life. I can not thank them enough for making our dream come true. Sonia Perez2025-06-02Trustindex verifies that the original source of the review is Google. Excellent and professional service!! Dylan Jones2025-05-30Trustindex verifies that the original source of the review is Google. Mary, Jasmine, Robert, and Lindsay were outstanding and I can’t recommend Morgan Financial enough! They made the whole process of purchasing a home extremely easy!
Our Step-By-Step Home Loan Refinance Process
Once we know more about your refinance goals, we can determine the best solutions for your mortgage needs.
We will compare your financing options through a cost-benefit analysis to ensure that we can make the most of your mortgage.
Once you make your final decision, we will lock in your interest rate and/or term and solidify your new mortgage.
Congratulations! You have achieved your financial goals and are ready to make the most of your mortgage!
Thank you for taking time to learn a little about our company. We look forward to hearing from you!

Why Choose Morgan Financial Among All the Home Loan Refinance Companies Near You?
Veteran-Owned Expertise
We understand the needs of military families and veterans.
Fast, Easy, and Consistent Process
Get pre-approved by the underwriter through our Secured Approval process for peace of mind during your shopping.
Lucrative Rates
We work hard to secure the best interest rates.
Flexible Loan Options
Adjustable rate, fixed-rate, Jumbo, Investment, and government-backed loans available.
Trusted Reputation
Over 23 years of experience helping homeowners refinance successfully.
Common Refinance Questions
Refinancing makes sense if you can lower your interest rate, shorten your loan term, or consolidate debt. If you want to eliminate mortgage insurance or tap into your home equity, refinancing could save you money over the life of the loan. A loan specialist can help you decide if refinancing is right for you.
Refinancing replaces your current mortgage with a new loan that may have a lower rate, better terms, or a different loan type. You’ll need to apply, provide financial documents, and close the loan once it’s approved.
Yes, you may still qualify for refinancing with bad credit. VA loans and government-backed programs offer flexible terms for borrowers with less-than-perfect credit. Our loan specialists can help you explore your options.
Savings depend on your current interest rate, loan amount, and the new terms. Use our refinance calculator to estimate potential savings or consult with a loan officer for a personalized analysis.
The refinance process typically takes 15 – 45 days, but it will depend on your situation and how quickly you provide documentation. Our streamlined process ensures quick approvals and minimal delays.
Contact One of Our Home Loan Refinance Experts Near You Today!
Book a consultation to chat with one of our Mortgage Loan Originators to learn more about your refinancing options!
- 1441 N Harbor City Blvd. Melbourne, FL 32935
- 321-265-4000
- 321-757-9730