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: 05/29/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.890% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.875 Points$2,800 Points Fee
$4,899 Total Fees$2,099 Lender Fees
 30 Years Fixed
6.036% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.850 Points$2,720 Points Fee
$5,788 Total Fees$3,068 Lender Fees
 30 Years Fixed
6.086% APR 5.874% Rate 30 day rate lock $1,893 Payment per month
0.991 Points$3,171 Points Fee
$7,438 Total Fees$4,267 Lender Fees
 30 Years Fixed
6.108% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.775 Points$2,480 Points Fee
$3,705 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.114% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.875 Points$2,800 Points Fee
$4,010 Total Fees$1,210 Lender Fees
 30 Years Fixed
6.114% APR 5.990% Rate 15 day rate lock $1,917 Payment per month
0.715 Points$2,288 Points Fee
$4,283 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.116% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.875 Points$2,800 Points Fee
$3,975 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.147% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$5,050 Total Fees$2,650 Lender Fees
 30 Years Fixed
6.179% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.577 Points$1,846 Points Fee
$1,846 Total Fees$0 Lender Fees
 30 Years Fixed
6.206% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.570 Points$1,824 Points Fee
$2,874 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.239% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.841 Points$2,691 Points Fee
$3,886 Total Fees$1,195 Lender Fees
 30 Years Fixed
6.242% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.902 Points$2,886 Points Fee
$3,981 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.243% APR 6.125% Rate 35 day rate lock $1,945 Payment per month
0.822 Points$2,630 Points Fee
$4,025 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.247% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.985 Points$3,152 Points Fee
$4,152 Total Fees$1,000 Lender Fees
 30 Years Fixed
6.256% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.923 Points$2,954 Points Fee
$4,582 Total Fees$1,628 Lender Fees
 30 Years Fixed
6.262% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
1.000 Points$3,200 Points Fee
$4,695 Total Fees$1,495 Lender Fees
 30 Years Fixed
6.265% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.734 Points$2,349 Points Fee
$9,149 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.308% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.613 Points$1,962 Points Fee
$1,962 Total Fees$0 Lender Fees
 30 Years Fixed
6.320% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.742 Points$2,374 Points Fee
$2,374 Total Fees$0 Lender Fees
 30 Years Fixed
6.321% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.750 Points$2,400 Points Fee
$2,400 Total Fees$0 Lender Fees
 30 Years Fixed
6.339% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.938 Points$3,002 Points Fee
$3,002 Total Fees$0 Lender Fees
 30 Years Fixed
6.351% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.726 Points$2,323 Points Fee
$3,551 Total Fees$1,228 Lender Fees
 30 Years Fixed
6.357% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.823 Points$2,634 Points Fee
$3,870 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.360% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.820 Points$2,624 Points Fee
$3,812 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.399% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.730 Points$2,336 Points Fee
$5,183 Total Fees$2,847 Lender Fees
 30 Years Fixed
6.403% APR 6.250% Rate 45 day rate lock $1,971 Payment per month
1.000 Points$3,200 Points Fee
$5,195 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.593% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.629 Points$2,013 Points Fee
$3,203 Total Fees$1,190 Lender Fees
 30 Years Fixed
6.729% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.552 Points$1,766 Points Fee
$3,461 Total Fees$1,695 Lender Fees
 30 Years Fixed
6.738% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.700 Points$2,240 Points Fee
$3,735 Total Fees$1,495 Lender Fees
 30 Years Fixed
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6.282% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.333 Points$1,066 Points Fee
$1,066 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.