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: 07/08/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.122% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.000 Points$0 Points Fee
$4,267 Total Fees$4,267 Lender Fees
 30 Years Fixed
6.136% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.845 Points$2,704 Points Fee
$4,699 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.188% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.625 Points$2,000 Points Fee
$6,499 Total Fees$4,499 Lender Fees
 30 Years Fixed
6.233% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.997 Points$3,190 Points Fee
$8,385 Total Fees$5,195 Lender Fees
 30 Years Fixed
6.245% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
1.000 Points$3,200 Points Fee
$8,762 Total Fees$5,562 Lender Fees
 30 Years Fixed
6.247% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.974 Points$3,117 Points Fee
$4,305 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.247% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
1.000 Points$3,200 Points Fee
$8,530 Total Fees$5,330 Lender Fees
 30 Years Fixed
6.263% APR 6.124% Rate 15 day rate lock $1,945 Payment per month
0.856 Points$2,739 Points Fee
$4,734 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.323% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.480 Points$1,536 Points Fee
$2,586 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.329% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.450 Points$1,440 Points Fee
$2,822 Total Fees$1,382 Lender Fees
 30 Years Fixed
6.344% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
1.000 Points$3,200 Points Fee
$3,315 Total Fees$115 Lender Fees
 30 Years Fixed
6.356% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.750 Points$2,400 Points Fee
$3,575 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.367% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.930 Points$2,976 Points Fee
$3,996 Total Fees$1,020 Lender Fees
 30 Years Fixed
6.379% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.960 Points$3,072 Points Fee
$4,367 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.388% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
1.000 Points$3,200 Points Fee
$4,695 Total Fees$1,495 Lender Fees
 30 Years Fixed
6.428% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.555 Points$1,776 Points Fee
$1,776 Total Fees$0 Lender Fees
 30 Years Fixed
6.456% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.850 Points$2,720 Points Fee
$2,720 Total Fees$0 Lender Fees
 30 Years Fixed
6.458% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.875 Points$2,800 Points Fee
$2,800 Total Fees$0 Lender Fees
 30 Years Fixed
6.459% APR 6.375% Rate 35 day rate lock $1,997 Payment per month
0.443 Points$1,418 Points Fee
$2,813 Total Fees$1,395 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
6.466% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.953 Points$3,050 Points Fee
$3,050 Total Fees$0 Lender Fees
 30 Years Fixed
6.473% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.625 Points$2,000 Points Fee
$3,370 Total Fees$1,370 Lender Fees
 30 Years Fixed
6.477% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.764 Points$2,445 Points Fee
$3,681 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.477% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.597 Points$1,910 Points Fee
$3,539 Total Fees$1,629 Lender Fees
 30 Years Fixed
6.478% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.737 Points$2,358 Points Fee
$3,586 Total Fees$1,228 Lender Fees
 30 Years Fixed
6.485% APR 6.374% Rate 30 day rate lock $1,997 Payment per month
0.828 Points$2,650 Points Fee
$3,745 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.488% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.719 Points$2,301 Points Fee
$3,795 Total Fees$1,494 Lender Fees
 30 Years Fixed
6.490% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.426 Points$1,363 Points Fee
$8,163 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.506% APR 6.375% Rate 45 day rate lock $1,997 Payment per month
0.750 Points$2,400 Points Fee
$4,395 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.751% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.965 Points$3,088 Points Fee
$4,278 Total Fees$1,190 Lender Fees
 30 Years Fixed
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6.319% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.730 Points$2,336 Points Fee
$2,336 Total Fees$0 Lender Fees
 30 Years Fixed
Updating Rates...
Updating Rates...
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.