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: 04/22/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.812% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.000 Points$0 Points Fee
$6,667 Total Fees$6,667 Lender Fees
 30 Years Fixed
5.865% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.630 Points$2,016 Points Fee
$4,011 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.866% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.642 Points$2,054 Points Fee
$4,049 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.898% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.725 Points$2,320 Points Fee
$5,388 Total Fees$3,068 Lender Fees
 30 Years Fixed
5.949% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.500 Points$1,600 Points Fee
$6,968 Total Fees$5,368 Lender Fees
 30 Years Fixed
5.965% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.625 Points$2,000 Points Fee
$3,210 Total Fees$1,210 Lender Fees
 30 Years Fixed
5.971% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.675 Points$2,160 Points Fee
$3,335 Total Fees$1,175 Lender Fees
 30 Years Fixed
5.976% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.625 Points$2,000 Points Fee
$3,635 Total Fees$1,635 Lender Fees
 30 Years Fixed
5.997% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.500 Points$1,600 Points Fee
$4,250 Total Fees$2,650 Lender Fees
 30 Years Fixed
6.019% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.827 Points$2,646 Points Fee
$9,446 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.049% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.637 Points$2,038 Points Fee
$2,038 Total Fees$0 Lender Fees
 30 Years Fixed
6.061% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.765 Points$2,448 Points Fee
$2,448 Total Fees$0 Lender Fees
 30 Years Fixed
6.066% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.813 Points$2,602 Points Fee
$2,602 Total Fees$0 Lender Fees
 30 Years Fixed
6.066% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.707 Points$2,262 Points Fee
$2,262 Total Fees$0 Lender Fees
 30 Years Fixed
6.081% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.875 Points$2,800 Points Fee
$2,800 Total Fees$0 Lender Fees
 30 Years Fixed
6.095% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.787 Points$2,518 Points Fee
$3,613 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.099% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.706 Points$2,259 Points Fee
$3,454 Total Fees$1,195 Lender Fees
 30 Years Fixed
6.106% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.906 Points$2,899 Points Fee
$4,127 Total Fees$1,228 Lender Fees
 30 Years Fixed
6.128% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$4,395 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.213% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.934 Points$2,989 Points Fee
$2,989 Total Fees$0 Lender Fees
 30 Years Fixed
6.218% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.591 Points$1,891 Points Fee
$3,186 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.220% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.682 Points$2,182 Points Fee
$3,370 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.228% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.592 Points$1,894 Points Fee
$3,676 Total Fees$1,782 Lender Fees
 30 Years Fixed
6.233% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.842 Points$2,694 Points Fee
$3,689 Total Fees$995 Lender Fees
 30 Years Fixed
6.467% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.620 Points$1,984 Points Fee
$3,109 Total Fees$1,125 Lender Fees
 30 Years Fixed
6.502% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.866 Points$2,771 Points Fee
$4,266 Total Fees$1,495 Lender Fees
 30 Years Fixed
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5.965% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.973 Points$3,114 Points Fee
$3,114 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.
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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.