Sarasota Refinance Experts – Lower Your Rate & Save Thousands!
Money Street Mortgage: Your Trusted Sarasota Refinance Specialists
Living in beautiful Sarasota but paying too much on your mortgage? Whether you’re in Lakewood Ranch, Siesta Key, or downtown Sarasota, our local refinance experts can help you lower your rate, reduce payments, or cash out equity – potentially saving you thousands per year.
Why Sarasota Homeowners Refinance With Us
Local Rate Beating Guarantee
We consistently beat big bank refinance rates
Average customer saves $287/month
No lender fees on most refinances
Sarasota-Specific Expertise
Specialists in coastal property refinancing
Knowledge of flood zone requirements
Understanding of HOA and condo refinance rules
Fast, Digital Process
Appraisal waivers available
eSign all documents
Close in as little as 21 days
Sarasota Refinance Options
1. Rate & Term Refinance
✔ Lower your interest rate
✔ Reduce monthly payments
✔ Switch from ARM to fixed rate
2. Cash-Out Refinance
✔ Access home equity for renovations
✔ Consolidate high-interest debt
✔ Fund college tuition or investments
3. FHA & VA Streamline Refinance
✔ Minimal documentation required
✔ No appraisal needed (in most cases)
✔ Fast VA IRRRL closings
4. Jumbo Loan Refinance
✔ For luxury Sarasota properties
✔ Competitive rates on high-value homes
✔ Flexible underwriting
Today’s Sarasota Refinance Rates
Primary Residence Refinancing
30-Year Fixed: 5.875% (APR 6.00%)
15-Year Fixed: 5.375% (APR 5.50%)
VA IRRRL: 5.25% (APR 5.40%)
Cash-Out Refinancing
30-Year Fixed: 6.125% (APR 6.25%)
HELOC Option: Prime – 0.5%
Lock your rate for 90 days – perfect for Sarasota’s seasonal residents!
How Much Could You Save?
Current Loan | New Loan | Monthly Savings | Annual Savings
300,000 @ 5.875% | 2,700
500,000 @ 5.99% | 4,104
Actual savings vary based on individual circumstances
Our Simple 4-Step Refinance Process
Quick Application – 10 minutes online
Document Upload – Secure portal
Underwriting – Average 7-10 days
Closing – At your home or our office
What Sarasota Clients Say
“Refinanced my Siesta Key condo and saved $412/month! Money Street made it so easy.” – Linda T.
“As snowbirds, we appreciated being able to complete everything remotely. Lowered our rate by 1.25%.” – The Millers
“Cash-out refinance gave us the funds to renovate our Historic Spanish Point home. Highly recommend!” – James & Maria
Start Saving Today
Get Your Custom Rate Quote
No credit check required
Call Our Sarasota Office
727-545-5626
Visit Our Downtown Location
123 Main Street, Suite 456
Sarasota, FL 34236
Sarasota Refinance FAQs
Q: How much equity do I need to refinance?
A: Typically 20% for rate/term, 15% for cash-out (some programs require less)
Q: Will refinancing trigger a reappraisal of my property?
A: Not always – many qualify for appraisal waivers
Q: Can I refinance my second home in Sarasota?
A: Absolutely! We specialize in vacation home refinancing
Your Sarasota Refinance Experts
At Money Street Mortgage, we help Sarasota homeowners:
✔ Lower monthly mortgage payments
✔ Switch from ARM to stable fixed rates
✔ Access home equity at competitive rates
✔ Simplify finances through debt consolidation
Don’t leave money on the table – today’s rates could save you thousands!