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: 10/16/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.448% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.541 Points$1,731 Points Fee
$6,798 Total Fees$5,067 Lender Fees
 30 Years Fixed
6.759% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.768 Points$2,458 Points Fee
$4,453 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.847% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.328 Points$1,050 Points Fee
$3,363 Total Fees$2,313 Lender Fees
 30 Years Fixed
6.847% APR 6.750% Rate 15 day rate lock $2,076 Payment per month
0.369 Points$1,181 Points Fee
$3,176 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.947% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.500 Points$1,600 Points Fee
$6,771 Total Fees$5,171 Lender Fees
 30 Years Fixed
6.952% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.500 Points$1,600 Points Fee
$6,793 Total Fees$5,193 Lender Fees
 30 Years Fixed
6.954% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.800 Points$2,560 Points Fee
$2,560 Total Fees$0 Lender Fees
 30 Years Fixed
6.954% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.500 Points$1,600 Points Fee
$6,905 Total Fees$5,305 Lender Fees
 30 Years Fixed
6.966% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.800 Points$2,560 Points Fee
$3,101 Total Fees$541 Lender Fees
 30 Years Fixed
6.970% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.720 Points$2,304 Points Fee
$3,099 Total Fees$795 Lender Fees
 30 Years Fixed
6.989% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.850 Points$2,720 Points Fee
$3,720 Total Fees$1,000 Lender Fees
 30 Years Fixed
6.995% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.787 Points$2,518 Points Fee
$3,913 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.996% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.522 Points$1,670 Points Fee
$3,965 Total Fees$2,295 Lender Fees
 30 Years Fixed
7.004% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.970 Points$3,104 Points Fee
$4,292 Total Fees$1,188 Lender Fees
 30 Years Fixed
7.005% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
1.000 Points$3,200 Points Fee
$4,250 Total Fees$1,050 Lender Fees
 30 Years Fixed
7.009% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.993 Points$3,178 Points Fee
$4,373 Total Fees$1,195 Lender Fees
 30 Years Fixed
7.027% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.932 Points$2,982 Points Fee
$4,982 Total Fees$2,000 Lender Fees
 30 Years Fixed
7.029% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.933 Points$2,986 Points Fee
$9,186 Total Fees$6,200 Lender Fees
 30 Years Fixed
7.099% APR 7.000% Rate 30 day rate lock $2,129 Payment per month
1.000 Points$3,200 Points Fee
$3,200 Total Fees$0 Lender Fees
 30 Years Fixed
7.131% APR 7.000% Rate 30 day rate lock $2,129 Payment per month
0.770 Points$2,464 Points Fee
$4,364 Total Fees$1,900 Lender Fees
 30 Years Fixed
7.220% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.488 Points$1,562 Points Fee
$3,056 Total Fees$1,494 Lender Fees
 30 Years Fixed
7.223% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.981 Points$3,139 Points Fee
$3,139 Total Fees$0 Lender Fees
 30 Years Fixed
7.249% APR 7.125% Rate 45 day rate lock $2,156 Payment per month
0.625 Points$2,000 Points Fee
$3,995 Total Fees$1,995 Lender Fees
 30 Years Fixed
7.261% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.996 Points$3,187 Points Fee
$4,515 Total Fees$1,328 Lender Fees
 30 Years Fixed
7.297% APR 7.250% Rate 35 day rate lock $2,183 Payment per month
0.000 Points$0 Points Fee
$1,495 Total Fees$1,495 Lender Fees
 30 Years Fixed
7.314% APR 7.250% Rate 30 day rate lock $2,183 Payment per month
0.638 Points$2,042 Points Fee
$2,042 Total Fees$0 Lender Fees
 30 Years Fixed
7.336% APR 7.250% Rate 30 day rate lock $2,183 Payment per month
0.859 Points$2,749 Points Fee
$2,749 Total Fees$0 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
Buy with a $0 down payment when you qualify for a VA Loan
ATTN Homebuyers: explore all your options.
7.051% APR 6.990% Rate 30 day rate lock $2,127 Payment per month
0.622 Points$1,990 Points Fee
$1,990 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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