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: 12/11/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.817% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.746 Points$2,387 Points Fee
$6,782 Total Fees$4,395 Lender Fees
 30 Years Fixed
5.864% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.750 Points$2,400 Points Fee
$4,000 Total Fees$1,600 Lender Fees
 30 Years Fixed
5.979% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.750 Points$2,400 Points Fee
$3,595 Total Fees$1,195 Lender Fees
 30 Years Fixed
5.985% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.850 Points$2,720 Points Fee
$3,815 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.992% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.865 Points$2,768 Points Fee
$4,063 Total Fees$1,295 Lender Fees
 30 Years Fixed
5.997% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.980 Points$3,136 Points Fee
$4,324 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.051% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.653 Points$2,090 Points Fee
$2,090 Total Fees$0 Lender Fees
 30 Years Fixed
6.067% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.824 Points$2,637 Points Fee
$2,637 Total Fees$0 Lender Fees
 30 Years Fixed
6.178% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.563 Points$1,802 Points Fee
$1,802 Total Fees$0 Lender Fees
 30 Years Fixed
6.450% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.568 Points$1,818 Points Fee
$2,518 Total Fees$700 Lender Fees
 30 Years Fixed
7.062% APR 6.990% Rate 30 day rate lock $2,127 Payment per month
0.732 Points$2,342 Points Fee
$2,342 Total Fees$0 Lender Fees
 30 Years Fixed
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5.925% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.542 Points$1,734 Points Fee
$1,734 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.
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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.