Refinance your mortgage in Florida.
Athena is a licensed mortgage lender — not a traditional bank — refinancing conventional mortgages fully online. We're licensed in Florida, and you can verify our license anytime through NMLS Consumer Access or on our licensing page.
Refinance options
- Rate-and-term refinance — replace your current mortgage with a new rate, a new term, or both. Available in Florida.
- Cash-out refinance — turn part of the equity you've built into cash. It's a bigger loan on your home, so Athena shows you both sides of the math before you decide. Available in Florida.
How much equity do you need for a cash-out refinance?
Florida closing and recording
Which Florida taxes can apply to a refinance mortgage?
Florida imposes documentary stamp tax on recorded mortgages and other written obligations to pay money. [S1] A separate nonrecurring intangible tax applies to obligations secured by Florida real property. [S2] Review both entries with your closing team.
Are refinances automatically exempt?
No. Florida has specific documentary-stamp rules for qualifying renewals. [S3] Its intangible-tax rules also provide conditional treatment for refinancing with the original lender or its assignee. [S4] Those rules do not establish an exemption for every new refinance. Ask your closing team whether an exception applies to your documents.
The clerk also charges for recording documents. [S5] Review taxes, recording and other closing costs on your Loan Estimate.
Does refinancing require a new homestead exemption application?
In Miami-Dade, the Property Appraiser says refinancing does not require you to refile a homestead exemption application, but a change in title may require a new application. [S6] If your refinance also changes ownership, ask your county property appraiser what you need to file. This does not promise that your property-tax bill will stay the same.
Sources
How it works
- Check your options. Seeing them takes about 30 seconds and uses a soft credit inquiry — no impact to your credit score. A hard pull comes later, with a full application.
- See your numbers. Your options on screen, in plain figures, before you commit to anything.
- Close fully online. The whole process runs digitally, from application through closing.
Refinancing in Florida communities
Looking into refinancing in Orlando, Fort Lauderdale, Boca Raton, Miami, Coral Springs or Daytona Beach? [S7] Use the Florida closing information above, then explore the refinance options on this page.
No lender fees. Zero points required.*
*Buying your rate down with discount points is always optional, never required. Other closing costs still apply. — “No lender fees” means Athena charges no origination, application, processing, or underwriting fees. Third-party and prepaid costs — appraisal, credit, title, recording, and prepaid interest — still apply at every lender, and your Loan Estimate shows the actual figures for your loan.
Frequently asked questions
Where can I see Florida refinance rates for my situation?
Check your rate on athenamoney.co. Seeing your options uses a soft credit inquiry, with no impact to your credit score. Rates and terms depend on your credit profile, loan amount and market conditions. Review your Loan Estimate for the actual figures for your loan. A hard pull happens later, with a full application.
Can I refinance my home mortgage in Florida?
Athena offers conventional rate-and-term refinancing in Florida, and cash-out where available. Rate-and-term replaces your current mortgage with a new rate, a new term, or both. Product availability and eligibility vary.
Can I apply online to refinance a home in Orlando?
Athena offers an online application for conventional mortgage refinancing in Florida. Review the Florida closing and recording information above, then explore the options on this page.
Is Athena licensed in Florida?
Yes — Athena (NMLS #2771910) is licensed in Florida. Our current state licenses are listed at athenamoney.co/licensing, and you can verify any lender's license directly at NMLS Consumer Access.
Does checking my options affect my credit?
No — seeing your options uses a soft credit inquiry, with no impact to your credit score. A hard pull happens later, with a full application.
What types of loans does Athena offer in Florida?
Conventional refinancing — rate-and-term, and cash-out where available. Athena doesn't offer purchase loans, FHA/VA/USDA loans, jumbo loans, HELOCs, or second mortgages.
What does refinancing cost with Athena?
Athena charges no lender fees and requires zero discount points. Third-party and prepaid closing costs — appraisal, credit, title, recording, prepaid interest — still apply, and your Loan Estimate shows the exact figures before you commit.
Is the process really online?
Yes — application through closing runs digitally, except where state law requires an in-person signing. You'll see your numbers on screen at each decision point.
See your options in Florida.
It takes about 30 seconds, with no credit impact to look.
→ apply.athenamoney.co/introduction