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: 08/19/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.200% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$6,899 Total Fees$4,499 Lender Fees
 30 Years Fixed
6.200% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$6,974 Total Fees$4,574 Lender Fees
 30 Years Fixed
6.331% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.566 Points$1,811 Points Fee
$2,861 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.347% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.756 Points$2,419 Points Fee
$7,614 Total Fees$5,195 Lender Fees
 30 Years Fixed
6.348% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.750 Points$2,400 Points Fee
$7,962 Total Fees$5,562 Lender Fees
 30 Years Fixed
6.348% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.650 Points$2,080 Points Fee
$3,305 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.349% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.750 Points$2,400 Points Fee
$7,681 Total Fees$5,281 Lender Fees
 30 Years Fixed
6.351% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.750 Points$2,400 Points Fee
$7,730 Total Fees$5,330 Lender Fees
 30 Years Fixed
6.356% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.750 Points$2,400 Points Fee
$3,575 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.374% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.974 Points$3,117 Points Fee
$4,307 Total Fees$1,190 Lender Fees
 30 Years Fixed
6.469% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.642 Points$2,054 Points Fee
$3,149 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.473% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.625 Points$2,000 Points Fee
$3,370 Total Fees$1,370 Lender Fees
 30 Years Fixed
6.489% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.788 Points$2,522 Points Fee
$3,817 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.493% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.760 Points$2,432 Points Fee
$4,060 Total Fees$1,628 Lender Fees
 30 Years Fixed
6.497% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.941 Points$3,011 Points Fee
$4,239 Total Fees$1,228 Lender Fees
 30 Years Fixed
6.531% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.868 Points$2,778 Points Fee
$9,578 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.551% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.633 Points$2,026 Points Fee
$2,026 Total Fees$0 Lender Fees
 30 Years Fixed
6.555% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.571 Points$1,827 Points Fee
$1,827 Total Fees$0 Lender Fees
 30 Years Fixed
6.577% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.497 Points$1,590 Points Fee
$2,826 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.578% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.813 Points$2,602 Points Fee
$2,602 Total Fees$0 Lender Fees
 30 Years Fixed
6.613% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.624 Points$1,997 Points Fee
$3,897 Total Fees$1,900 Lender Fees
 30 Years Fixed
Proud to help you find the home loan of your future
America's #1 Retail Lender (Scottsman Guide)
Low rates, quick quote & approval
Discover multiple refinance options
A smarter way to get cash from your home
Refinance to lower your rate
6.341% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.966 Points$3,091 Points Fee
$3,091 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.