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: 12/30/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.714% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.641 Points$2,051 Points Fee
$3,239 Total Fees$1,188 Lender Fees
 30 Years Fixed
5.750% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.875 Points$2,800 Points Fee
$4,400 Total Fees$1,600 Lender Fees
 30 Years Fixed
5.768% APR 5.625% Rate 15 day rate lock $1,843 Payment per month
0.949 Points$3,037 Points Fee
$5,032 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.844% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.684 Points$2,189 Points Fee
$3,379 Total Fees$1,190 Lender Fees
 30 Years Fixed
5.962% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.944 Points$3,021 Points Fee
$3,021 Total Fees$0 Lender Fees
 30 Years Fixed
5.983% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.732 Points$2,342 Points Fee
$3,737 Total Fees$1,395 Lender Fees
 30 Years Fixed
5.989% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.835 Points$2,672 Points Fee
$3,967 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.163% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$5,600 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.190% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.688 Points$2,202 Points Fee
$2,202 Total Fees$0 Lender Fees
 30 Years Fixed
6.218% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.776 Points$2,483 Points Fee
$3,183 Total Fees$700 Lender Fees
 30 Years Fixed
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5.827% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.846 Points$2,707 Points Fee
$2,707 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.