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: 03/30/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.138% APR 5.990% Rate 15 day rate lock $1,917 Payment per month
0.971 Points$3,107 Points Fee
$5,102 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.249% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.980 Points$3,136 Points Fee
$4,324 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.348% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.675 Points$2,160 Points Fee
$3,335 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.350% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.711 Points$2,275 Points Fee
$3,370 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.360% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.818 Points$2,618 Points Fee
$3,808 Total Fees$1,190 Lender Fees
 30 Years Fixed
6.375% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.500 Points$1,600 Points Fee
$4,250 Total Fees$2,650 Lender Fees
 30 Years Fixed
6.401% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.826 Points$2,643 Points Fee
$9,443 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.410% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.370 Points$1,184 Points Fee
$1,184 Total Fees$0 Lender Fees
 30 Years Fixed
6.498% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.886 Points$2,835 Points Fee
$4,130 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.519% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.875 Points$2,800 Points Fee
$4,977 Total Fees$2,177 Lender Fees
 30 Years Fixed
6.590% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.938 Points$3,002 Points Fee
$3,002 Total Fees$0 Lender Fees
 30 Years Fixed
6.632% APR 6.500% Rate 45 day rate lock $2,023 Payment per month
0.750 Points$2,400 Points Fee
$4,395 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.851% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.568 Points$1,818 Points Fee
$3,313 Total Fees$1,495 Lender Fees
 30 Years Fixed
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6.310% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.634 Points$2,029 Points Fee
$2,029 Total Fees$0 Lender Fees
 30 Years Fixed
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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.
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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.