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: 10/13/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.994% APR 6.875% Rate 15 day rate lock $2,103 Payment per month
0.593 Points$1,898 Points Fee
$3,893 Total Fees$1,995 Lender Fees
 30 Years Fixed
7.131% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.993 Points$3,178 Points Fee
$8,373 Total Fees$5,195 Lender Fees
 30 Years Fixed
7.135% APR 7.000% Rate 30 day rate lock $2,129 Payment per month
1.000 Points$3,200 Points Fee
$4,375 Total Fees$1,175 Lender Fees
 30 Years Fixed
7.231% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.762 Points$2,438 Points Fee
$3,488 Total Fees$1,050 Lender Fees
 30 Years Fixed
7.252% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.875 Points$2,800 Points Fee
$4,170 Total Fees$1,370 Lender Fees
 30 Years Fixed
7.294% APR 7.250% Rate 30 day rate lock $2,183 Payment per month
0.438 Points$1,402 Points Fee
$1,402 Total Fees$0 Lender Fees
 30 Years Fixed
7.304% APR 7.000% Rate 30 day rate lock $2,129 Payment per month
0.959 Points$3,069 Points Fee
$9,869 Total Fees$6,800 Lender Fees
 30 Years Fixed
7.384% APR 7.250% Rate 30 day rate lock $2,183 Payment per month
0.786 Points$2,515 Points Fee
$4,415 Total Fees$1,900 Lender Fees
 30 Years Fixed
7.394% APR 7.250% Rate 30 day rate lock $2,183 Payment per month
0.964 Points$3,085 Points Fee
$4,579 Total Fees$1,494 Lender Fees
 30 Years Fixed
7.400% APR 7.250% Rate 45 day rate lock $2,183 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
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7.297% APR 7.250% Rate 30 day rate lock $2,183 Payment per month
0.468 Points$1,498 Points Fee
$1,498 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.