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: 04/13/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.635% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
1.000 Points$3,200 Points Fee
$4,800 Total Fees$1,600 Lender Fees
 30 Years Fixed
5.768% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.950 Points$3,040 Points Fee
$5,035 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.876% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.757 Points$2,422 Points Fee
$4,417 Total Fees$1,995 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
5.966% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.985 Points$3,152 Points Fee
$3,152 Total Fees$0 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
5.986% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.875 Points$2,800 Points Fee
$3,983 Total Fees$1,183 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
6.014% APR 5.740% Rate 30 day rate lock $1,866 Payment per month
0.943 Points$3,018 Points Fee
$9,685 Total Fees$6,667 Lender Fees
 30 Years Fixed
6.029% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.934 Points$2,989 Points Fee
$9,789 Total Fees$6,800 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
6.108% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.860 Points$2,752 Points Fee
$4,047 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.240% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.892 Points$2,854 Points Fee
$4,042 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.513% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.984 Points$3,149 Points Fee
$4,644 Total Fees$1,495 Lender Fees
 30 Years Fixed
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6.064% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.689 Points$2,205 Points Fee
$2,205 Total Fees$0 Lender Fees
 30 Years Fixed
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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.