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: 09/16/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.644% APR 5.490% Rate 30 day rate lock $1,815 Payment per month
0.896 Points$2,867 Points Fee
$5,534 Total Fees$2,667 Lender Fees
 30 Years Fixed
5.780% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.875 Points$2,800 Points Fee
$5,450 Total Fees$2,650 Lender Fees
 30 Years Fixed
5.829% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.871 Points$2,787 Points Fee
$7,182 Total Fees$4,395 Lender Fees
 30 Years Fixed
5.853% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.800 Points$2,560 Points Fee
$3,610 Total Fees$1,050 Lender Fees
 30 Years Fixed
5.920% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.485 Points$1,552 Points Fee
$1,552 Total Fees$0 Lender Fees
 30 Years Fixed
5.957% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.886 Points$2,835 Points Fee
$2,835 Total Fees$0 Lender Fees
 30 Years Fixed
5.962% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.938 Points$3,002 Points Fee
$3,002 Total Fees$0 Lender Fees
 30 Years Fixed
5.964% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.968 Points$3,098 Points Fee
$3,098 Total Fees$0 Lender Fees
 30 Years Fixed
6.015% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.923 Points$2,954 Points Fee
$4,841 Total Fees$1,887 Lender Fees
 30 Years Fixed
6.066% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.599 Points$1,917 Points Fee
$2,617 Total Fees$700 Lender Fees
 30 Years Fixed
6.075% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.909 Points$2,909 Points Fee
$2,909 Total Fees$0 Lender Fees
 30 Years Fixed
6.096% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.641 Points$2,051 Points Fee
$3,801 Total Fees$1,750 Lender Fees
 30 Years Fixed
6.151% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.625 Points$2,000 Points Fee
$5,200 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.190% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.695 Points$2,224 Points Fee
$2,224 Total Fees$0 Lender Fees
 30 Years Fixed
6.587% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.894 Points$2,861 Points Fee
$3,059 Total Fees$198 Lender Fees
 30 Years Fixed
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5.816% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.717 Points$2,294 Points Fee
$2,294 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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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.