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: 01/13/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.744% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.968 Points$3,098 Points Fee
$4,286 Total Fees$1,188 Lender Fees
 30 Years Fixed
5.755% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.989 Points$3,165 Points Fee
$4,560 Total Fees$1,395 Lender Fees
 30 Years Fixed
5.916% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.440 Points$1,408 Points Fee
$1,408 Total Fees$0 Lender Fees
 30 Years Fixed
5.917% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.453 Points$1,450 Points Fee
$1,450 Total Fees$0 Lender Fees
 30 Years Fixed
5.962% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.536 Points$1,715 Points Fee
$3,010 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.048% APR 5.875% Rate 45 day rate lock $1,893 Payment per month
0.875 Points$2,800 Points Fee
$6,000 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.054% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.688 Points$2,202 Points Fee
$2,202 Total Fees$0 Lender Fees
 30 Years Fixed
6.110% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.963 Points$3,082 Points Fee
$3,782 Total Fees$700 Lender Fees
 30 Years Fixed
7.066% APR 6.990% Rate 30 day rate lock $2,127 Payment per month
0.770 Points$2,464 Points Fee
$2,464 Total Fees$0 Lender Fees
 30 Years Fixed
Refi from your sofa. It’s surprisingly simple.
Discover multiple refinance options
"Unlock Your Dream Home with Us!"
Use your VA Loan Benefit to get cash from your home equity
Homeowners best kept secret for cash
5.710% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.932 Points$2,982 Points Fee
$2,982 Total Fees$0 Lender Fees
 30 Years Fixed
Updating Rates...
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.
Family moving in

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.