Home Mortgage Loan Ratesin Florida

Planning on purchasing a new home? Use ERATE®'s rate chart to compare today's top rates in Florida and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your home loan to ensure you get the best rate and pricing.

(Last Updated: 02/10/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.351% APR 5.250% Rate 30 day rate lock $1,768 Payment per month
0.981 Points$3,139 Points Fee
$3,638 Total Fees$499 Lender Fees
 30 Years Fixed
5.478% APR 5.375% Rate 30 day rate lock $1,792 Payment per month
0.875 Points$2,800 Points Fee
$3,690 Total Fees$890 Lender Fees
 30 Years Fixed
5.490% APR 5.375% Rate 30 day rate lock $1,792 Payment per month
0.825 Points$2,640 Points Fee
$4,125 Total Fees$1,485 Lender Fees
 30 Years Fixed
5.518% APR 5.375% Rate 30 day rate lock $1,792 Payment per month
0.788 Points$2,522 Points Fee
$5,189 Total Fees$2,667 Lender Fees
 30 Years Fixed
5.527% APR 5.375% Rate 30 day rate lock $1,792 Payment per month
0.625 Points$2,000 Points Fee
$5,544 Total Fees$3,544 Lender Fees
 30 Years Fixed
5.588% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.625 Points$2,000 Points Fee
$3,125 Total Fees$1,125 Lender Fees
 30 Years Fixed
5.600% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.775 Points$2,480 Points Fee
$3,530 Total Fees$1,050 Lender Fees
 30 Years Fixed
5.601% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.618 Points$1,978 Points Fee
$3,578 Total Fees$1,600 Lender Fees
 30 Years Fixed
5.604% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.750 Points$2,400 Points Fee
$3,770 Total Fees$1,370 Lender Fees
 30 Years Fixed
5.616% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.975 Points$3,120 Points Fee
$4,120 Total Fees$1,000 Lender Fees
 30 Years Fixed
5.642% APR 5.500% Rate 15 day rate lock $1,817 Payment per month
0.955 Points$3,056 Points Fee
$5,051 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.674% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.928 Points$2,970 Points Fee
$6,270 Total Fees$3,300 Lender Fees
 30 Years Fixed
5.693% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.750 Points$2,400 Points Fee
$2,515 Total Fees$115 Lender Fees
 30 Years Fixed
5.707% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.524 Points$1,677 Points Fee
$2,872 Total Fees$1,195 Lender Fees
 30 Years Fixed
5.713% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.963 Points$3,082 Points Fee
$3,082 Total Fees$0 Lender Fees
 30 Years Fixed
5.725% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.755 Points$2,416 Points Fee
$3,644 Total Fees$1,228 Lender Fees
 30 Years Fixed
5.733% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.594 Points$1,901 Points Fee
$3,788 Total Fees$1,887 Lender Fees
 30 Years Fixed
5.744% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.682 Points$2,182 Points Fee
$4,182 Total Fees$2,000 Lender Fees
 30 Years Fixed
5.748% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
1.000 Points$3,200 Points Fee
$4,325 Total Fees$1,125 Lender Fees
 30 Years Fixed
5.811% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.664 Points$2,125 Points Fee
$2,125 Total Fees$0 Lender Fees
 30 Years Fixed
5.830% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.875 Points$2,800 Points Fee
$2,800 Total Fees$0 Lender Fees
 30 Years Fixed
5.839% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.624 Points$1,997 Points Fee
$3,092 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.887% APR 5.750% Rate 45 day rate lock $1,868 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.927% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.567 Points$1,814 Points Fee
$1,814 Total Fees$0 Lender Fees
 30 Years Fixed
5.990% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.000 Points$0 Points Fee
$0 Total Fees$0 Lender Fees
 30 Years Fixed
5.995% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.934 Points$2,989 Points Fee
$4,316 Total Fees$1,327 Lender Fees
 30 Years Fixed
6.074% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.907 Points$2,902 Points Fee
$2,902 Total Fees$0 Lender Fees
 30 Years Fixed
6.100% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.563 Points$1,802 Points Fee
$3,802 Total Fees$2,000 Lender Fees
 30 Years Fixed
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Numbers you can trust
5.707% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.903 Points$2,890 Points Fee
$2,890 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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