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: 08/12/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.597% APR 5.250% Rate 30 day rate lock $1,768 Payment per month
0.801 Points$2,563 Points Fee
$11,363 Total Fees$8,800 Lender Fees
 30 Years FixedFHA Loan
6.597% APR 5.250% Rate 30 day rate lock $1,768 Payment per month
0.801 Points$2,563 Points Fee
$11,363 Total Fees$8,800 Lender Fees
 30 Years FixedFHA Loan
6.644% APR 5.250% Rate 30 day rate lock $1,768 Payment per month
0.801 Points$2,563 Points Fee
$13,153 Total Fees$10,590 Lender Fees
 30 Years FixedFHA Loan
6.749% APR 5.490% Rate 30 day rate lock $1,815 Payment per month
0.847 Points$2,710 Points Fee
$8,310 Total Fees$5,600 Lender Fees
 30 Years FixedFHA Loan
6.750% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.740 Points$2,368 Points Fee
$7,968 Total Fees$5,600 Lender Fees
 30 Years FixedFHA Loan
6.780% APR 5.490% Rate 30 day rate lock $1,815 Payment per month
0.897 Points$2,870 Points Fee
$9,470 Total Fees$6,600 Lender Fees
 30 Years FixedFHA Loan
6.781% APR 5.490% Rate 35 day rate lock $1,815 Payment per month
0.750 Points$2,400 Points Fee
$9,490 Total Fees$7,090 Lender Fees
 30 Years FixedFHA Loan
6.783% APR 5.490% Rate 30 day rate lock $1,815 Payment per month
0.897 Points$2,870 Points Fee
$9,565 Total Fees$6,695 Lender Fees
 30 Years FixedFHA Loan
6.879% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.461 Points$1,475 Points Fee
$8,270 Total Fees$6,795 Lender Fees
 30 Years FixedFHA Loan
6.909% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.711 Points$2,275 Points Fee
$9,525 Total Fees$7,250 Lender Fees
 30 Years FixedFHA Loan
6.925% APR 5.625% Rate 45 day rate lock $1,843 Payment per month
0.750 Points$2,400 Points Fee
$9,995 Total Fees$7,595 Lender Fees
 30 Years FixedFHA Loan
6.955% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.461 Points$1,475 Points Fee
$11,308 Total Fees$9,833 Lender Fees
 30 Years FixedFHA Loan
7.112% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.727 Points$2,326 Points Fee
$7,926 Total Fees$5,600 Lender Fees
 30 Years FixedFHA Loan
7.301% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.980 Points$3,136 Points Fee
$10,736 Total Fees$7,600 Lender Fees
 30 Years FixedFHA Loan
7.494% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.545 Points$1,744 Points Fee
$8,519 Total Fees$6,775 Lender Fees
 30 Years FixedFHA Loan
7.502% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.788 Points$2,522 Points Fee
$8,822 Total Fees$6,300 Lender Fees
 30 Years FixedFHA Loan
7.538% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.802 Points$2,566 Points Fee
$10,161 Total Fees$7,595 Lender Fees
 30 Years FixedFHA Loan
7.583% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.548 Points$1,754 Points Fee
$7,354 Total Fees$5,600 Lender Fees
 30 Years FixedFHA Loan
$0 down payment for Veterans homebuying with a VA Loan
As low as 0% down options & down payment assistance
Numbers you can trust
PenFed membership is open to everyone, including you.
0% down payment USDA Loan options
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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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