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Join MIDFLORIDA Today!
Experience the benefits of credit union membership, including low fees, great rates and personalized service. Become a member and start banking smarter with us.
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Home refinance
Why Refi?
There are many benefits to refinancing your home — you could lower your monthly payment, shorten your term, or even receive a cash payout.
Get Started 
At a glance
Refresh your Mortgage with a Refi
The reasons are numerous! Explore the options below, then let us help you decide what works best for your financial situation1. You can start an online application or call one of our Mortgage Specialists.
Reduce your monthly payment
As interest rates decrease, refinancing your existing mortgage for what you currently owe could bring your monthly payment down, providing you the opportunity to use that extra cash for other financial goals.
Cut years off the life of your loan
If you find your income increasing and can afford to pay more each month, you could refinance to a shorter-term loan, say from 30 years to 15, and save a lot on interest.
Keep payment Amount locked
Refinancing from an adjustable-rate mortgage to a fixed-rate will keep your monthly principal & interest payments the same through the life of the loan, providing greater financial stability.
Get cash to spend how you choose
A cash-out refinance pays you the equity in your home in cash, giving you the chance to pay off other debts, make home improvements or take a dream vacation, it's totally up to you!
First Steps
How to Get Started
Getting started on a mortgage is simple when you know the key steps to take, from exploring your options to submitting your application.
Fast App
Get Pre-qualified
Take the guesswork out of your home search. By knowing how much you can afford, you can find the perfect home that fits your budget and be one step closer to moving in. Start your application now and we'll be happy to walk you through the next steps.
Mortgage specialists
Find Your Perfect Mortgage with Expert Help
Not sure which mortgage loan is right for you? Our Mortgage Specialists are here to guide you every step of the way. Contact a local expert to get personalized advice and find the loan that fits your needs. Locate a Mortgage Specialist or call (863) 688-8443 or toll free (855) 915-4663.
Calculator
Estimate Your Monthly Payment
Use the calculator below to calculate what your monthly payment might be by refinancing.
More Loan Types
Explore Other Mortgage Options
Consider these additional mortgage loan options that might be a better fit for your financial situation.
1. Primary residence only. Membership and eligibility requirements apply. Credit approval required. Loan amounts up to $510,400. Low rates and convenient terms available. Apply online or contact a loan officer for a custom quote. Other conditions apply. Ask your mortgage loan officer for details.
