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: 04/07/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.755% APR 5.490% Rate 30 day rate lock $1,815 Payment per month
0.892 Points$2,854 Points Fee
$9,521 Total Fees$6,667 Lender Fees
 30 Years Fixed
5.770% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.973 Points$3,114 Points Fee
$5,109 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.853% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.625 Points$2,000 Points Fee
$3,600 Total Fees$1,600 Lender Fees
 30 Years Fixed
5.967% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.500 Points$1,600 Points Fee
$3,418 Total Fees$1,818 Lender Fees
 30 Years Fixed
5.973% APR 5.875% Rate 15 day rate lock $1,893 Payment per month
0.437 Points$1,398 Points Fee
$3,393 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.044% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
1.000 Points$3,200 Points Fee
$5,850 Total Fees$2,650 Lender Fees
 30 Years Fixed
6.085% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.677 Points$2,166 Points Fee
$3,354 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.092% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.985 Points$3,152 Points Fee
$3,152 Total Fees$0 Lender Fees
 30 Years Fixed
6.097% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.675 Points$2,160 Points Fee
$3,335 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.101% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.728 Points$2,330 Points Fee
$3,525 Total Fees$1,195 Lender Fees
 30 Years Fixed
6.106% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.792 Points$2,534 Points Fee
$3,724 Total Fees$1,190 Lender Fees
 30 Years Fixed
6.112% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.875 Points$2,800 Points Fee
$3,983 Total Fees$1,183 Lender Fees
 30 Years Fixed
6.117% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.865 Points$2,768 Points Fee
$4,150 Total Fees$1,382 Lender Fees
 30 Years Fixed
6.124% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.000 Points$0 Points Fee
$0 Total Fees$0 Lender Fees
 30 Years Fixed
6.139% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.749 Points$2,397 Points Fee
$9,197 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.171% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.487 Points$1,558 Points Fee
$1,558 Total Fees$0 Lender Fees
 30 Years Fixed
6.183% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.617 Points$1,974 Points Fee
$1,974 Total Fees$0 Lender Fees
 30 Years Fixed
6.213% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.938 Points$3,002 Points Fee
$3,002 Total Fees$0 Lender Fees
 30 Years Fixed
6.231% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.875 Points$2,800 Points Fee
$3,605 Total Fees$805 Lender Fees
 30 Years Fixed
6.236% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.870 Points$2,784 Points Fee
$3,779 Total Fees$995 Lender Fees
 30 Years Fixed
6.238% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.859 Points$2,749 Points Fee
$3,977 Total Fees$1,228 Lender Fees
 30 Years Fixed
6.239% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.882 Points$2,822 Points Fee
$3,917 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.243% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.859 Points$2,749 Points Fee
$4,044 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.265% APR 6.125% Rate 45 day rate lock $1,945 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.344% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.991 Points$3,171 Points Fee
$3,171 Total Fees$0 Lender Fees
 30 Years Fixed
6.346% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.708 Points$2,266 Points Fee
$3,261 Total Fees$995 Lender Fees
 30 Years Fixed
6.348% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.522 Points$1,670 Points Fee
$3,452 Total Fees$1,782 Lender Fees
 30 Years Fixed
6.580% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.944 Points$3,021 Points Fee
$3,021 Total Fees$0 Lender Fees
 30 Years Fixed
6.737% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.690 Points$2,208 Points Fee
$3,703 Total Fees$1,495 Lender Fees
 30 Years Fixed
Refi from your sofa. It’s surprisingly simple.
Discover multiple refinance options
Refinance to lower your rate
Your home's value could help you save.
Low rates, quick quote & approval
America's #1 Retail Lender (Scottsman Guide)
6.072% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.879 Points$2,813 Points Fee
$2,813 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.
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.