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: 12/10/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.747% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.997 Points$3,190 Points Fee
$4,378 Total Fees$1,188 Lender Fees
 30 Years Fixed
5.787% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.783 Points$2,506 Points Fee
$5,806 Total Fees$3,300 Lender Fees
 30 Years Fixed
5.796% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.500 Points$1,600 Points Fee
$1,600 Total Fees$0 Lender Fees
 30 Years Fixed
5.876% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
1.000 Points$3,200 Points Fee
$4,395 Total Fees$1,195 Lender Fees
 30 Years Fixed
5.887% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
1.000 Points$3,200 Points Fee
$4,800 Total Fees$1,600 Lender Fees
 30 Years Fixed
5.897% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.985 Points$3,152 Points Fee
$5,147 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.966% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.985 Points$3,152 Points Fee
$3,152 Total Fees$0 Lender Fees
 30 Years Fixed
5.968% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.675 Points$2,160 Points Fee
$3,210 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.002% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
1.000 Points$3,200 Points Fee
$4,395 Total Fees$1,195 Lender Fees
 30 Years Fixed
6.003% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.987 Points$3,158 Points Fee
$4,453 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.062% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.653 Points$2,090 Points Fee
$6,485 Total Fees$4,395 Lender Fees
 30 Years Fixed
6.081% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.634 Points$2,029 Points Fee
$3,124 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.102% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.872 Points$2,790 Points Fee
$3,540 Total Fees$750 Lender Fees
 30 Years Fixed
6.109% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.862 Points$2,758 Points Fee
$3,753 Total Fees$995 Lender Fees
 30 Years Fixed
6.177% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.558 Points$1,786 Points Fee
$1,786 Total Fees$0 Lender Fees
 30 Years Fixed
6.181% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.602 Points$1,926 Points Fee
$1,926 Total Fees$0 Lender Fees
 30 Years Fixed
6.197% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.769 Points$2,461 Points Fee
$2,461 Total Fees$0 Lender Fees
 30 Years Fixed
6.201% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.813 Points$2,602 Points Fee
$2,602 Total Fees$0 Lender Fees
 30 Years Fixed
6.217% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.980 Points$3,136 Points Fee
$3,136 Total Fees$0 Lender Fees
 30 Years Fixed
6.300% APR 6.125% Rate 45 day rate lock $1,945 Payment per month
0.875 Points$2,800 Points Fee
$6,000 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.467% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.743 Points$2,378 Points Fee
$3,078 Total Fees$700 Lender Fees
 30 Years Fixed
7.069% APR 6.990% Rate 30 day rate lock $2,127 Payment per month
0.795 Points$2,544 Points Fee
$2,544 Total Fees$0 Lender Fees
 30 Years Fixed
Refi from your sofa. It’s surprisingly simple.
Discover multiple refinance options
Use your VA Loan Benefit to get cash from your home equity
Homeowners best kept secret for cash
"Unlock Your Dream Home with Us!"
5.937% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.676 Points$2,163 Points Fee
$2,163 Total Fees$0 Lender Fees
 30 Years Fixed
Updating Rates...
Updating Rates...
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.
Family moving in

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.