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: 10/18/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.826% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.839 Points$2,685 Points Fee
$7,080 Total Fees$4,395 Lender Fees
 30 Years Fixed
5.962% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.938 Points$3,002 Points Fee
$3,002 Total Fees$0 Lender Fees
 30 Years Fixed
5.974% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.663 Points$2,122 Points Fee
$3,417 Total Fees$1,295 Lender Fees
 30 Years Fixed
5.999% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.784 Points$2,509 Points Fee
$4,384 Total Fees$1,875 Lender Fees
 30 Years Fixed
6.046% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.596 Points$1,907 Points Fee
$1,907 Total Fees$0 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
6.216% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.752 Points$2,406 Points Fee
$3,106 Total Fees$700 Lender Fees
 30 Years Fixed
7.197% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.725 Points$2,320 Points Fee
$2,320 Total Fees$0 Lender Fees
 30 Years Fixed
Discover multiple refinance options
Homeowners best kept secret for cash
Use your VA Loan Benefit to get cash from your home equity
Refi from your sofa. It’s surprisingly simple.
5.832% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.896 Points$2,867 Points Fee
$2,867 Total Fees$0 Lender Fees
 30 Years Fixed
Updating Rates...
Updating Rates...
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.
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.