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: 07/15/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.133% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.815 Points$2,608 Points Fee
$4,603 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.233% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.875 Points$2,800 Points Fee
$8,362 Total Fees$5,562 Lender Fees
 30 Years Fixed
6.244% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.943 Points$3,018 Points Fee
$4,206 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.247% APR 6.125% Rate 15 day rate lock $1,945 Payment per month
0.682 Points$2,182 Points Fee
$4,177 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.336% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.525 Points$1,680 Points Fee
$2,905 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.344% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.625 Points$2,000 Points Fee
$3,175 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.460% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.587 Points$1,878 Points Fee
$3,114 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.461% APR 6.375% Rate 35 day rate lock $1,997 Payment per month
0.467 Points$1,494 Points Fee
$2,889 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.469% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.989 Points$3,165 Points Fee
$3,165 Total Fees$0 Lender Fees
 30 Years Fixed
6.554% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.563 Points$1,802 Points Fee
$1,802 Total Fees$0 Lender Fees
 30 Years Fixed
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6.339% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.940 Points$3,008 Points Fee
$3,008 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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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.