Home Mortgage Loan Ratesin Florida

Planning on purchasing a new home? FHA Loans offer low down payments, low closing costs, and are easier to qualify in regards to income or credit score. Use ERATE®'s rate chart to compare today's top rates in Florida and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your home loan to ensure you get the best rate and pricing.

(Last Updated: 09/29/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.510% APR 5.250% Rate 30 day rate lock $1,768 Payment per month
0.759 Points$2,429 Points Fee
$8,029 Total Fees$5,600 Lender Fees
 30 Years FixedFHA Loan
6.569% APR 5.250% Rate 35 day rate lock $1,768 Payment per month
1.000 Points$3,200 Points Fee
$10,290 Total Fees$7,090 Lender Fees
 30 Years FixedFHA Loan
6.637% APR 5.375% Rate 30 day rate lock $1,792 Payment per month
0.524 Points$1,677 Points Fee
$8,277 Total Fees$6,600 Lender Fees
 30 Years FixedFHA Loan
6.655% APR 5.375% Rate 30 day rate lock $1,792 Payment per month
0.549 Points$1,757 Points Fee
$9,107 Total Fees$7,350 Lender Fees
 30 Years FixedFHA Loan
6.666% APR 5.375% Rate 30 day rate lock $1,792 Payment per month
0.674 Points$2,157 Points Fee
$9,357 Total Fees$7,200 Lender Fees
 30 Years FixedFHA Loan
6.875% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.789 Points$2,525 Points Fee
$8,125 Total Fees$5,600 Lender Fees
 30 Years FixedFHA Loan
7.255% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.707 Points$2,262 Points Fee
$9,037 Total Fees$6,775 Lender Fees
 30 Years FixedFHA Loan
7.366% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.630 Points$2,016 Points Fee
$8,316 Total Fees$6,300 Lender Fees
 30 Years FixedFHA Loan
As low as 0% down options & down payment assistance
$0 down payment for Veterans homebuying with a VA Loan
0% down payment USDA Loan options
6.526% APR 5.250% Rate 30 day rate lock $1,768 Payment per month
0.948 Points$3,034 Points Fee
$8,634 Total Fees$5,600 Lender Fees
 30 Years FixedFHA Loan
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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