Conventional
Buyers and homeowners with steady, documented income and solid credit.
Refinance
Make your mortgage work harder for you.
Lower your payment, tap your equity or shorten your term. We compare refinance options across lenders and show you the break-even before you decide.
- Google rating4.9209 reviews
- Lenders compared100+on every loan
- Credit check1soft pull available
- BBB ratingA+Better Business Bureau
- Licensed inFL · GA · COFLNMLS #1781090
- Bilingual teamEN/ESEnglish & Español
Reasons to refinance
Lower your payment
Refinance into a better rate or a longer term to free up monthly cash flow.
Take cash out
Use your equity for renovations, investments, tuition or paying down high-interest debt.
Remove mortgage insurance
If your home has appreciated, a refinance may let you drop PMI or FHA mortgage insurance.
Pay it off sooner
Move to a shorter term and save on total interest.
Switch to a fixed rate
Trade an adjustable rate for a payment that doesn't change.
Refinance a rental
DSCR cash-out refinances for investors, qualified on the property's rent.
We'll show you the costs, the new payment and how many months it takes to break even, so you can decide with real numbers.
Loan programs
Refinance programs we compare for you
FHA
First-time buyers and borrowers who need flexibility on credit or down payment.
VA
Eligible veterans, active-duty service members and surviving spouses.
Jumbo
Buyers of higher-priced homes that need a loan above the conforming limit.
Bank Statement
Business owners, self-employed and 1099 earners whose tax returns understate what they make.
DSCR
Real estate investors buying or refinancing rental property.
Payment calculator
See the payment before you see the house.
Type your numbers or use the sliders, then add taxes, insurance and HOA to see the full monthly payment. When you're ready, we'll run real numbers across lenders.
Shown because the down payment is under 20%. Mortgage insurance varies with credit, down payment and loan type, so enter the rate from your quote if you have one.
Estimated monthly payment
$0/mo
- Principal and interest
- Property taxes
- Hazard insurance
- Flood insurance
- HOA dues
- PMI (mortgage insurance)
- Loan amount
- Down payment
- Total interest over the term
This loan amount is above the 2026 baseline conforming limit of $832,750. That's jumbo territory, and pricing varies a lot by lender. See jumbo loans.
This loan amount is within the 2026 baseline conforming limit of $832,750.
Get real numbersIllustration only, not a loan offer or rate quote. The rate, taxes, insurance, HOA dues and mortgage insurance are the figures you enter. Your actual rate, payment and costs depend on credit, loan type, property and lender approval.
Google reviews
What our clients say on Google.
4.9Rated 4.9 out of 5 from 209 Google reviews.
Jorge GuerraSep 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 LinaresApr 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.Recent 5-star reviews from Google. See every review, at every rating, on Google.
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