Home Mortgage Loan Ratesin Florida

Planning on purchasing a new home? 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: 02/17/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.554% APR 5.490% Rate 30 day rate lock $1,815 Payment per month
0.708 Points$2,266 Points Fee
$2,266 Total Fees$0 Lender Fees
 30 Years Fixed
5.597% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.750 Points$2,400 Points Fee
$3,450 Total Fees$1,050 Lender Fees
 30 Years Fixed
5.599% APR 5.490% Rate 15 day rate lock $1,815 Payment per month
0.587 Points$1,878 Points Fee
$3,873 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.646% APR 5.500% Rate 45 day rate lock $1,817 Payment per month
1.000 Points$3,200 Points Fee
$5,195 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.693% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.746 Points$2,387 Points Fee
$2,387 Total Fees$0 Lender Fees
 30 Years Fixed
5.704% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.530 Points$1,696 Points Fee
$2,791 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.804% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.586 Points$1,875 Points Fee
$1,875 Total Fees$0 Lender Fees
 30 Years Fixed
5.895% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.579 Points$1,853 Points Fee
$5,053 Total Fees$3,200 Lender Fees
 30 Years Fixed
5.961% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.933 Points$2,986 Points Fee
$2,986 Total Fees$0 Lender Fees
 30 Years Fixed
5.978% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.747 Points$2,390 Points Fee
$3,718 Total Fees$1,328 Lender Fees
 30 Years Fixed
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5.584% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.927 Points$2,966 Points Fee
$2,966 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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