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: 07/15/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.096% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
1.000 Points$3,200 Points Fee
$7,699 Total Fees$4,499 Lender Fees
 30 Years Fixed
6.119% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.661 Points$2,115 Points Fee
$4,110 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.222% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$7,962 Total Fees$5,562 Lender Fees
 30 Years Fixed
6.228% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.948 Points$3,034 Points Fee
$8,229 Total Fees$5,195 Lender Fees
 30 Years Fixed
6.247% APR 6.125% Rate 15 day rate lock $1,945 Payment per month
0.682 Points$2,182 Points Fee
$4,177 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.324% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.400 Points$1,280 Points Fee
$2,505 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.330% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.548 Points$1,754 Points Fee
$2,804 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.332% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.500 Points$1,600 Points Fee
$2,775 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.344% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.658 Points$2,106 Points Fee
$3,294 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.378% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.874 Points$2,797 Points Fee
$4,425 Total Fees$1,628 Lender Fees
 30 Years Fixed
6.411% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.378 Points$1,210 Points Fee
$1,210 Total Fees$0 Lender Fees
 30 Years Fixed
6.446% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.750 Points$2,400 Points Fee
$2,400 Total Fees$0 Lender Fees
 30 Years Fixed
6.452% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.813 Points$2,602 Points Fee
$2,602 Total Fees$0 Lender Fees
 30 Years Fixed
6.460% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.578 Points$1,850 Points Fee
$3,086 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.461% APR 6.375% Rate 35 day rate lock $1,997 Payment per month
0.467 Points$1,494 Points Fee
$2,889 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.465% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.608 Points$1,946 Points Fee
$3,174 Total Fees$1,228 Lender Fees
 30 Years Fixed
6.469% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.989 Points$3,165 Points Fee
$3,165 Total Fees$0 Lender Fees
 30 Years Fixed
6.470% APR 6.374% Rate 30 day rate lock $1,997 Payment per month
0.671 Points$2,147 Points Fee
$3,242 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.475% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.807 Points$2,582 Points Fee
$3,377 Total Fees$795 Lender Fees
 30 Years Fixed
6.485% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.366 Points$1,171 Points Fee
$7,971 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.491% APR 6.375% Rate 35 day rate lock $1,997 Payment per month
0.750 Points$2,400 Points Fee
$3,895 Total Fees$1,495 Lender Fees
 30 Years Fixed
6.608% APR 6.500% Rate 45 day rate lock $2,023 Payment per month
0.500 Points$1,600 Points Fee
$3,595 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.690% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.670 Points$2,144 Points Fee
$2,144 Total Fees$0 Lender Fees
 30 Years Fixed
6.747% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.926 Points$2,963 Points Fee
$4,153 Total Fees$1,190 Lender Fees
 30 Years Fixed
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6.325% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.798 Points$2,554 Points Fee
$2,554 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.