(800) 696-SAVE
The Doce Mortgage Group
Learning Center

Refinancing

Replacing your loan with a better one. The three options are rate-and-term, cash-out and streamline. What each one saves, costs, and when.

All Articles Condos & Townhomes Down Payments & Credit Florida Market & Local Homebuying Guide Loan Programs Mortgage Rates & Economy Refinancing
Refinancing Blue sticky note with 'Cash out Refinance' on top of cash and a wooden desk, with glasses nearby.

When Is A Cash Out Refinance in Florida A Smart Financial Move?

Quick Answer A cash out refinance in Florida is often a smart financial move when your home equity…

Read Guide →
Refinancing Couple discussing home renovation plans.

Top 10 Smartest Ways To Use Your Home Equity As A Florida Homeowner

As we head into 2026, Florida homeowners are sitting on record levels of home equity. Across cities like Miami,…

Read Guide →
Refinancing Man pouring coins into a bowl

HELOC vs HELOAN In Florida: Understanding Draw And Repayment Timelines

Florida homeowners want to make sure they are using the equity in their homes in the smartest way possible. When…

Read Guide →
Refinancing American flag, papers, ocean view.

What Is an IRRRL VA Loan in Florida and How Does It Work?

Quick Answer A florida IRRRL loan, or Interest Rate Reduction Refinance Loan, is a simple VA-backed refinance option…

Read Guide →
Refinancing Couple discussing home with realtor outdoors.

Is Refinancing with an FHA Loan in Deerfield Beach Florida Smart After Insurance Repricing?

Quick Answer Yes, if rising 2025 insurance and escrow costs raised your payment, an FHA refinance can cut…

Read Guide →
Refinancing Couple standing in front of house.

Is Now the Right Time to Refinance a Mortgage in Wilton Manors, Florida?

If you live in Wilton Manors and you’re thinking about refinancing your mortgage, 2025 might be the right…

Read Guide →
Refinancing Couple reviewing documents outdoors, sunny

How to Refinance Your Home with a VA Mortgage Loan in Miami

Miami is a sunny, energetic city where many homeowners use a Florida VA mortgage loan to lower payments, move to…

Read Guide →
Refinancing Woman standing outside a house.

Unlock Lower Rates in Wilton Manors with a VA IRRRL

If you’re a veteran living in Wilton Manors and you already have a VA home loan in Florida, a VA…

Read Guide →
Refinancing Charming house with rocking chairs outside

Lower Your VA Loan Rate Quickly with an IRRRL in Fort Lauderdale

Fort Lauderdale is home to many veterans who have taken advantage of the VA loan program to buy…

Read Guide →
Refinancing Signing documents with a smiling man.

What is Rate and Term Refinancing?

Exploring a refinance because you want to lower your monthly mortgage payment? A rate-and-term refinance is one of…

Read Guide →
Refinancing Model house with money and documents.

What is a Cash-Out Refinance?

A cash out refinance allows you to take advantage of your home equity by receiving a lump sum…

Read Guide →
Refinancing Laptop on kitchen counter with coffee

How to Choose a Refinancing Lender

You should give at least as much thought and care to choosing a refinancing lender as you did…

Read Guide →