For Florida homeowners who want to improve terms, lower their payment, access equity, or restructure debt.
What it is
Refinancing replaces your existing mortgage with a new one — ideally with better terms. The right refinance can lower your monthly payment, shorten your loan term, drop mortgage insurance, switch from an ARM to a fixed rate, or pull equity out for major expenses.
Andrew Kashella works with over 100 lenders, so you get a real comparison of refinance offers based on your goals — not whichever lender pays the most for the lead. Whether you want a rate-and-term refinance, a cash-out refinance, or a streamlined VA/FHA refinance, we'll find the cleanest path.
Who it's for
A few signs this program might be a strong fit. Even if you don't see yourself in this list, reach out — Andrew works with over 100 lenders and there's likely an option that fits.
Key Features
Lower your interest rate or shorten your term — or both.
Refinance to remove mortgage insurance once you have 20% equity.
Pull equity for renovations, debt consolidation, education, or investments.
VA IRRRL and FHA Streamline programs require minimal documentation.
Convert an adjustable-rate mortgage to a fixed rate before adjustments hit.
Most refinances close in 30–45 days. Streamlines can be even faster.
Frequently Asked
Depends on your current rate, how long you'll keep the home, and the closing costs vs. monthly savings. Generally if you can drop your rate by 0.75% or more and you'll stay in the home another 2–3 years, refinancing pays for itself. Send Andrew your existing loan info for a free analysis.
Closing costs typically run 2–4% of the loan amount. Costs can be paid out-of-pocket, financed into the loan, or covered by a slightly higher rate (lender credit).
30–45 days for a standard refi, 15–30 days for VA IRRRL or FHA Streamline.
Rate-and-term changes your interest rate, term, or both — loan amount stays roughly the same. Cash-out increases your loan amount and you receive the difference in cash. Cash-out rates are slightly higher because of higher risk.
Andrew Kashella is here to help you compare options, understand the numbers, and figure out if this program is the right fit for your situation.
Andrew Kashella — NMLS #139171 | Innovative Mortgage Services, Inc. — NMLS #250769
Loan programs are subject to borrower qualification, credit approval, and property eligibility. Not all applicants will qualify. Additional terms and conditions may apply. Interest rates and loan programs are subject to change without notice. This is not a commitment to lend or extend credit.