LendResearch Est. 2026

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VA IRRRL refinance in Miami

By Kunal (KJ), former licensed mortgage loan originator · Sources: Florida OFR license file, FDIC, NCUA, firm websites, HMDA

8 firms with a Miami office list VA IRRRL refinance on their own sites: 2 mortgage lenders, 5 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.

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Other loans in Miami

Miami-Dade County at a glance

Mortgage applications filed in 202582,858
Loans originated34,236
Denial rate23%
FHA share of originations14%
VA share2%
Investor and second home share21%
Dollar volume originated$20,298,470,000
2026 conforming loan limit, 1 unit$832,750
2026 FHA loan limit, 1 unit$667,000

As of October 15, 2026Sources: FFIEC HMDA 2025 loan-level data for Miami-Dade 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 Miami?

8 firms licensed or chartered to lend in Florida with a Miami office list VA IRRRL refinance on their own websites as of October 15, 2026: 2 mortgage lenders, 5 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.