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 272 reviews Tamara González2025-02-28Trustindex verifies that the original source of the review is Google. Lindsay, Jasmine and Mary were absolutely amazing throughout the entire mortgage process! They were professional, knowledgeable, and always available to answer our questions. They made everything so smooth and stress-free, keeping us informed every step of the way (friday updates). Their dedication and expertise truly made a difference, and I couldn’t have asked for a better experience. Highly recommend them to anyone looking for a reliable and supportive mortgage team! Cameron Congleton2025-02-21Trustindex verifies that the original source of the review is Google. This is our 2nd home purchase with Morgan financial and the whole process was seamless. Mary and her team are phenomenal. You cannot go wrong using them and their services. They truly care for their clients and we consider them family at this point. Donald Gammon2025-02-14Trustindex verifies that the original source of the review is Google. Mary Jazmine and Lindsey took care of me and got me my loan and closed perfect timing . Absolutely seamless working from a-z the whole time communication was a+ would highly recommend Michel Mirto2025-02-13Trustindex verifies that the original source of the review is Google. Great experience. Would recommend especially for VA loans Jeffrey Ulrich2025-02-12Trustindex verifies that the original source of the review is Google. The team at Morgan Financial made the home buying process incredibly easy, possibly fun even! Shelby McKay2025-02-06Trustindex verifies that the original source of the review is Google. Shannon and her whole team at Morgan Financial are excellent! She is extremely knowledgeable and responsive in every transaction we’ve worked together on! Zahra McTammany2025-02-03Trustindex verifies that the original source of the review is Google. Very professional and efficient. Morgan LaFountain2025-01-17Trustindex verifies that the original source of the review is Google. Thank you Mary, Jasmine, and Robert for all your help with financing our new home! We appreciate how kind, responsive, and informative you were throughout the whole process. Your whole team was really great to work with! Kurt Marshall2025-01-14Trustindex verifies that the original source of the review is Google. Very good personable service! Mary and Jasmine are awesome! Brandon Hull2025-01-09Trustindex verifies that the original source of the review is Google. Mary and Jasmine at Morgan Financial were great to work with throughout the process. Mary in particular was very patient and took her time to explain the entire process. I would highly recommend them and plan to work with them again for future mortgage needs.
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