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: 05/08/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.880% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.794 Points$2,541 Points Fee
$4,536 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.923% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
1.000 Points$3,200 Points Fee
$6,268 Total Fees$3,068 Lender Fees
 30 Years Fixed
5.960% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.925 Points$2,960 Points Fee
$2,960 Total Fees$0 Lender Fees
 30 Years Fixed
5.962% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.318 Points$1,018 Points Fee
$3,013 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.977% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.775 Points$2,480 Points Fee
$3,530 Total Fees$1,050 Lender Fees
 30 Years Fixed
5.984% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.875 Points$2,800 Points Fee
$3,795 Total Fees$995 Lender Fees
 30 Years Fixed
5.986% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.875 Points$2,800 Points Fee
$3,850 Total Fees$1,050 Lender Fees
 30 Years Fixed
5.994% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.975 Points$3,120 Points Fee
$4,120 Total Fees$1,000 Lender Fees
 30 Years Fixed
5.997% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.500 Points$1,600 Points Fee
$4,393 Total Fees$2,793 Lender Fees
 30 Years Fixed
6.053% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.682 Points$2,182 Points Fee
$2,182 Total Fees$0 Lender Fees
 30 Years Fixed
6.089% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.625 Points$2,000 Points Fee
$3,183 Total Fees$1,183 Lender Fees
 30 Years Fixed
6.090% APR 6.090% Rate 30 day rate lock $1,938 Payment per month
0.000 Points$0 Points Fee
$0 Total Fees$0 Lender Fees
 30 Years Fixed
6.120% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.856 Points$2,739 Points Fee
$4,134 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.125% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.783 Points$2,506 Points Fee
$8,706 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.151% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
1.000 Points$3,200 Points Fee
$5,195 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.249% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.854 Points$2,733 Points Fee
$4,227 Total Fees$1,494 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
Numbers you can trust
America's #1 Retail Lender (Scottsman Guide)
Veterans: Use your VA benefit to buy with 0% down
6.073% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.892 Points$2,854 Points Fee
$2,854 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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