Current Refinance Rates - 30 Year Fixed Florida Lenders

Looking for Current Refinance Rates for your Florida home?  ERATE.com helps you compare today's home refinance mortgage rates in Florida.  Select from popular programs like the 30 Year Fixed, 15 Year Fixed, 5/1 ARM or other programs and we list the top offers from numerous lenders for you.  Rates are updated daily.

(Last Updated: 05/23/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.244% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.935 Points$2,992 Points Fee
$4,180 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.262% APR 6.124% Rate 15 day rate lock $1,945 Payment per month
0.852 Points$2,726 Points Fee
$4,721 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.276% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.725 Points$2,320 Points Fee
$5,388 Total Fees$3,068 Lender Fees
 30 Years Fixed
6.332% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.500 Points$1,600 Points Fee
$2,775 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.358% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.803 Points$2,570 Points Fee
$3,665 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.364% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.375 Points$1,200 Points Fee
$3,850 Total Fees$2,650 Lender Fees
 30 Years Fixed
6.369% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.959 Points$3,069 Points Fee
$4,119 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.458% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.866 Points$2,771 Points Fee
$2,771 Total Fees$0 Lender Fees
 30 Years Fixed
6.461% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.899 Points$2,877 Points Fee
$2,877 Total Fees$0 Lender Fees
 30 Years Fixed
6.464% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.938 Points$3,002 Points Fee
$3,002 Total Fees$0 Lender Fees
 30 Years Fixed
6.483% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.763 Points$2,442 Points Fee
$3,637 Total Fees$1,195 Lender Fees
 30 Years Fixed
6.516% APR 6.374% Rate 30 day rate lock $1,997 Payment per month
0.644 Points$2,061 Points Fee
$4,908 Total Fees$2,847 Lender Fees
 30 Years Fixed
6.518% APR 6.375% Rate 45 day rate lock $1,997 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.594% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.984 Points$3,149 Points Fee
$3,149 Total Fees$0 Lender Fees
 30 Years Fixed
6.734% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.790 Points$2,528 Points Fee
$3,718 Total Fees$1,190 Lender Fees
 30 Years Fixed
6.872% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.784 Points$2,509 Points Fee
$4,004 Total Fees$1,495 Lender Fees
 30 Years Fixed
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6.341% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.959 Points$3,069 Points Fee
$3,069 Total Fees$0 Lender Fees
 30 Years Fixed
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Rate data provided by RateUpdate.com. Displayed by 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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Are you looking for great Refinance Rates for you Florida home?

If you're looking for the best refinance rates in Florida we can help.

Our site compares current refinance rates from a wide variety of popular lenders offering refinancing. You can filter by credit score, loan type, duration of loan to ensure that you can find the best refinance rates in Florida. Additionally you can sort your mortgage lenders results by Annual Percentage Rate (A.P.R.), mortgage rate, monthly mortgage payment, points, lender fees, and type of mortgage program—30 years fixed rate, 15 years fixed rate, 5/1 adjustable rate mortgage.

We provide original, unbiased, user-friendly tools and information for consumers to rely on when making important personal financial decisions relating to mortgages. Find your best refinance loan today!

When Is the Best Time to Refinance to get a lower rate?

Refinance rates fluctuate, so the best time to refinance is when they reach their very lowest. Of course, it's impossible to know in advance when rates are going to rise.

The good news is that at the moment refinance rates are still really low, so if you've got a mortgage that you've had for a while, you should definitely consider refinancing. It's possible that your current rate is higher than you could get currently.  You can easily view our refinance rates by using our iPhone Mortgage Rates App.