Convencional
Compradores y propietarios con ingresos estables y documentados y buen crédito.
Refinanciar
Haga que su hipoteca trabaje más para usted.
Baje su pago, use su plusvalía o acorte su plazo. Comparamos opciones de refinanciamiento entre prestamistas y le mostramos el punto de equilibrio antes de decidir.
- Calificación en Google4.9209 reseñas
- Prestamistas comparados100+en cada préstamo
- Revisión de crédito1consulta suave disponible
- Calificación BBBA+Better Business Bureau
- Licencia enFL · GA · COFLNMLS #1781090
- Equipo bilingüeEN/ESEspañol e inglés
Razones para refinanciar
Bajar su pago
Refinancie a una mejor tasa o a un plazo más largo para liberar flujo de caja mensual.
Sacar efectivo
Use su plusvalía para remodelaciones, inversiones, estudios o pagar deudas con intereses altos.
Eliminar el seguro hipotecario
Si su casa se ha valorizado, un refinanciamiento puede permitirle eliminar el PMI o el seguro hipotecario FHA.
Pagar antes
Cambie a un plazo más corto y ahorre en intereses totales.
Cambiar a tasa fija
Cambie una tasa ajustable por un pago que no cambia.
Refinanciar un alquiler
Refinanciamientos DSCR con efectivo para inversionistas, calificados con la renta de la propiedad.
Le mostramos los costos, el nuevo pago y cuántos meses tarda en recuperar la inversión, para que decida con números reales.
Programas de préstamo
Programas de refinanciamiento que comparamos por usted
FHA
Compradores de primera vivienda y personas que necesitan flexibilidad en crédito o pago inicial.
VA
Veteranos elegibles, militares en servicio activo y cónyuges sobrevivientes.
Jumbo
Compradores de viviendas de mayor precio que necesitan un préstamo por encima del límite conforme.
Estados de cuenta bancarios
Dueños de negocio, trabajadores independientes y 1099 cuyas declaraciones de impuestos no reflejan lo que ganan.
DSCR
Inversionistas inmobiliarios que compran o refinancian propiedades de alquiler.
Calculadora de pago
Vea el pago antes de ver la casa.
Escriba sus números o use los controles, y agregue impuestos, seguros y HOA para ver el pago mensual completo. Cuando esté listo, calculamos números reales entre varios prestamistas.
Aparece porque el pago inicial es menor al 20%. El seguro hipotecario varía según el crédito, el pago inicial y el tipo de préstamo; escriba la tasa de su cotización si la tiene.
Pago mensual estimado
$0/mes
- Capital e intereses
- Impuestos a la propiedad
- Seguro de propietario
- Seguro contra inundaciones
- Cuotas de HOA
- PMI (seguro hipotecario)
- Monto del préstamo
- Pago inicial
- Intereses totales durante el plazo
Este monto supera el límite conforme base de $832,750 para 2026. Eso es un préstamo jumbo, y el precio varía mucho entre prestamistas. Ver préstamos jumbo.
Este monto está dentro del límite conforme base de $832,750 para 2026.
Obtener números realesSolo ilustrativo, no es una oferta de préstamo ni una cotización de tasa. La tasa, los impuestos, los seguros, las cuotas de HOA y el seguro hipotecario son los valores que usted ingresa. Su tasa, pago y costos reales dependen del crédito, el tipo de préstamo, la propiedad y la aprobación del prestamista.
Reseñas en Google
Lo que dicen nuestros clientes en Google.
4.9Calificación de 4.9 de 5 en 209 reseñas de Google.
Jorge Guerrasept. 2026 · Google
★★★★★
I just want to thank QMS and Ronald for being an integral part of our financial future- we were able to seamlessly find, view, and purchase properties of all spectrums with ease. Highly recommend the team if your in need of your next purchase!Nelson Martinezjun. 2026 · Google
★★★★★
The BEST mortage loan and funding expert in Miami I've had the pleasure of working with in a long time! Ron has amazing creative financing and negotiating capabilities that truly made a significant difference in closing with way better terms beyond what I thought was even possible. He stays connected through every step of the way and even sets up back up plans just in case. Definitely coming back for some DSCR servicing soon. Thanks Ron!!neilyed Linaresabr. 2026 · Google
★★★★★
We were assisted by Ronald, throughout the whole process he was very responsive and attentive to all our needs and questions. Will definitely recommend to anyone in the process of buying or refinancing!Naeem Ahmed2025 · Google
★★★★★
I had an amazing experience refinancing my Orlando home with QMS Mortgage, thanks to Mr. Michael Fernandez. He was focused, professional, and incredibly thorough. Michael secured the lowest interest rate for me with minimal closing costs, beating out even my previous trusted mortgage contact. What truly stood out was how he saved me a significant amount on mortgage insurance and delivered on every promise—on time and without any surprises. The entire process, including closing, was simple, smooth, and quick. I'm very happy with QMS and especially with Michael’s service. I highly recommend him to anyone looking to refinance—I'll definitely be referring my friends and family!Jose Rosado2025 · Google
★★★★★
Thanks to Gabriel for everything he did with this refinancing. He was with me at all times, a great human being and very professional in his work. I recommend him 100%. God bless him greatly.Donna Gordon2025 · Google
★★★★★
I had an excellent experience working with Gabriel & his team. Will definitely recommend them to friends/family!Luis Rodriguez2025 · Google
★★★★★
I started my mortgage refinance with another company I will not mention. It proved difficult to work with that company. I received a letter in the mail and I got in touch with Michael at QMS. I decided to call. It was the best decision I made. He took care of my refinance from A-Z and the process flowed so smoothly that I would definitely recommend him and his team to everyone. The thing that sold me on the transaction wasn't only the quickness of it, but the customer care. With the previous company I spoke to a person and I was never able to get through to her. The customer interaction was subpar to say the least. I did not have any issues with Michael and his team. They were always there and ready to answer my questions. If future rates ever drop and a refinance is in the works, they will be the first people I will get in touch with.Daisy Esquenazi2025 · Google
★★★★★
The best experience from a very professional, communitive and knowledgeable mortgage broker. Easy and fast response with any questions or concerns I might have had.Paul Solomon2024 · Google
★★★★★
Thorough and professional. Completed my VA mortgage refinance in excellent time and with the least amount of tasks/problems for my part of the process!joy rocker2024 · Google
★★★★★
I was totally protected and well informed ever step of the way. The best experience working with Ron..he was very transparent ,understanding and a true people person. He kept reassuring me that all will be ok and this made me very comfortable. I will recommend him 100%. Professional in every way.Reseñas recientes de 5 estrellas en Google, en su idioma original. Vea todas las reseñas, de todas las calificaciones, en Google.
Empiece hoy
Conozca sus números antes de hacer una oferta.
Obtenga una cotización en minutos, o llame y hable hoy con un oficial de préstamos con licencia.