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FHA Cash-Out Refinance in Florida

An FHA cash-out refinance taps your Florida home equity up to 80% of value. The credit rules are flexible, even if you do not currently have an FHA mortgage.

80%
Max LTV
580+
Min Score
Any purpose
Use
Primary residence
Florida
Call Now
Get Pre-Approved in FHA Cash-Out Refinance
5 minutes · No cost · Soft credit pull only
NMLS# 1859012 · Equal Housing Lender
FHA Cash-Out Refinance · Florida

FHA Cash-Out Refinance From a Florida Mortgage Broker

An FHA cash-out refinance replaces your current mortgage with a larger FHA loan. It hands you the difference in cash, up to 80% of your home value. It is the cash-out path for Florida homeowners whose credit is too thin for a conventional cash-out.

The draw here is flexible credit. FHA underwriting accepts lower scores and higher debt-to-income ratios than conventional cash-out. Homeowners who would be declined elsewhere can still pull equity. You do not need an existing FHA loan to use it — any current mortgage can be refinanced into FHA.

The trade-off is mortgage insurance. FHA charges an upfront premium plus an annual one for the life of the loan. We weigh that cost against a conventional cash-out and tell you honestly which one wins over your timeline. For stronger credit the conventional route is often cheaper.

FHA Cash-Out Refinance at a Glance

✓Borrow up to 80% of your home value on a primary residence.
✓Flexible credit — qualify with scores conventional would deny.
✓No existing FHA loan required to refinance into one.
✓We compare it against conventional cash-out before you commit.

Go deeper on the FHA cash-out refinance: Requirements · Rates · Calculator · Guide.

For a neutral overview of how refinancing works and what to weigh, see the CFPB's guide to refinancing your mortgage.

FHA Cash-Out Refinance Snapshot
Max LTV80%
Min Score580+
UseAny purpose
FloridaPrimary residence
How It Works
01
Apply Online
5 min · soft credit pull only
02
Break-Even Check
We confirm the savings beat the cost
03
Processing
Our team handles paperwork
04
Close
Typically 21–30 days
FAQ

FHA Cash-Out Refinance Questions

How much can I cash out with an FHA refinance in Florida?

FHA caps a cash-out refinance at 80% of your home value on a primary residence. You keep at least 20% equity. We calculate your exact available cash from a current valuation and confirm the loan amount before you apply.

Do I need an FHA loan already to do an FHA cash-out refinance?

No. You can refinance a conventional, VA, or any other mortgage into an FHA cash-out loan. It is most useful when your credit has slipped and a conventional cash-out is out of reach. We check whether FHA or conventional costs you less first.

Official resources

Verify the details for your own situation against these government and agency sources: HUD FHA loan program and HUD Handbook 4000.1 (FHA rules).

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FHA Cash-Out Refinance?

A licensed Florida mortgage broker who runs your break-even before you pay a cent — honest numbers, no pressure.

(561) 300-0380

Figures are illustrative only and vary by credit score, loan amount, equity, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.