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VA IRRRL refinance in Jacksonville
9 firms with a Jacksonville office list VA IRRRL refinance on their own sites: 4 mortgage lenders, 4 mortgage brokers, 1 bank. All are approved on the Florida license file or federally chartered. Claimed firms appear first, then firms with the most complete public data.
Mortgage lenderCarrington Mortgage Services, LLC
- Adjustable rate mortgages (ARM)
- Assumable mortgages
- Cash out refinance
- Conventional mortgages
- +10 more
1,296 FL loans in 2025See this lender
Mortgage lenderEnvoy Mortgage Ltd
- Adjustable rate mortgages (ARM)
- Bridge loans
- Rate buydown mortgages
- Cash out refinance
- +19 more
See this lender
BankFlorida Capital Bank, National Association
- Adjustable rate mortgages (ARM)
- Bridge loans
- Business acquisition loans
- Rate buydown mortgages
- +14 more
See this bank
Mortgage brokerFlvmc LLC
- Adjustable rate mortgages (ARM)
- Cash out refinance
- Conventional mortgages
- Mortgages after bankruptcy or foreclosure
- +15 more
See this broker- JHMortgage lender
Jet Homeloans, LP
- Adjustable rate mortgages (ARM)
- Asset depletion loans
- Blanket and portfolio loans
- Rate buydown mortgages
- +15 more
See this lender 
Mortgage brokerNorth Star Mortgage Network INC.
- Asset depletion loans
- Bank statement loans
- Rate buydown mortgages
- Cash out refinance
- +24 more
See this broker- NMMortgage broker
Nuview Mortgage, LLC
- Adjustable rate mortgages (ARM)
- Cash out refinance
- Construction loans
- Conventional mortgages
- +13 more
See this broker 
Mortgage brokerReal-Tyme Investment Realty LLC
- Adjustable rate mortgages (ARM)
- Cash out refinance
- FHA loans
- FHA streamline refinance
- +14 more
See this broker- SMMortgage lender
Sharp Mortgages, INC.
- Adjustable rate mortgages (ARM)
- Bank statement loans
- Cash out refinance
- Conventional mortgages
- +16 more
See this lender
Other loans in Jacksonville
- Refinance67 firms
- First time home buyer loans and programs48 firms
- FHA loans46 firms
- Jumbo loans46 firms
- USDA loans42 firms
- Adjustable rate mortgages (ARM)37 firms
- VA loans36 firms
- Cash out refinance33 firms
- HELOCs29 firms
- Conventional mortgages28 firms
- Florida Housing and Hometown Heroes loans25 firms
- Investment property and rental loans24 firms
- All home loans in Jacksonville159 firms, every loan type
- VA IRRRL refinance across Florida105 firms statewide
Duval County at a glance
| Mortgage applications filed in 2025 | 46,349 |
| Loans originated | 21,490 |
| Denial rate | 18% |
| FHA share of originations | 18% |
| VA share | 17% |
| Investor and second home share | 12% |
| Dollar volume originated | $6,887,330,000 |
| 2026 conforming loan limit, 1 unit | $832,750 |
| 2026 FHA loan limit, 1 unit | $580,750 |
As of October 15, 2026Sources: FFIEC HMDA 2025 loan-level data for Duval County, FL; FHFA 2026 conforming loan limits; HUD 2026 FHA mortgage limits. Look up any county.
Questions people ask
How many lenders offer VA IRRRL refinance in Jacksonville?
9 firms licensed or chartered to lend in Florida with a Jacksonville office list VA IRRRL refinance on their own websites as of October 15, 2026: 4 mortgage lenders, 4 mortgage brokers, 1 bank. Every firm here is approved on the Florida Office of Financial Regulation file or insured by the FDIC or NCUA; inactive licensees are never shown.
Should I use a broker or a lender for VA IRRRL refinance?
Either can get you the loan. A mortgage lender funds it with its own money; a mortgage broker shops it to several lenders and does not fund it; a bank or credit union lends its own deposits. Each card says which kind the firm is. Compare at least two, and ask each whether it funds or brokers the loan.