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: 01/04/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.635% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
1.000 Points$3,200 Points Fee
$4,800 Total Fees$1,600 Lender Fees
 30 Years Fixed
5.689% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.750 Points$2,400 Points Fee
$6,789 Total Fees$4,389 Lender Fees
 30 Years Fixed
5.771% APR 5.625% Rate 15 day rate lock $1,843 Payment per month
0.989 Points$3,165 Points Fee
$5,160 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.839% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.972 Points$3,110 Points Fee
$3,110 Total Fees$0 Lender Fees
 30 Years Fixed
5.841% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.740 Points$2,368 Points Fee
$3,168 Total Fees$800 Lender Fees
 30 Years Fixed
5.849% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.750 Points$2,400 Points Fee
$3,450 Total Fees$1,050 Lender Fees
 30 Years Fixed
5.864% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.875 Points$2,800 Points Fee
$3,995 Total Fees$1,195 Lender Fees
 30 Years Fixed
5.972% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.700 Points$2,240 Points Fee
$3,450 Total Fees$1,210 Lender Fees
 30 Years Fixed
6.202% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.598 Points$1,914 Points Fee
$2,614 Total Fees$700 Lender Fees
 30 Years Fixed
Numbers you can trust
Get home in 2026 with a 0% down VA Loan
0% down payment USDA Loan options
5.825% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.817 Points$2,614 Points Fee
$2,614 Total Fees$0 Lender Fees
 30 Years Fixed
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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.
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