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: 09/16/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.621% APR 5.490% Rate 30 day rate lock $1,815 Payment per month
0.646 Points$2,067 Points Fee
$4,734 Total Fees$2,667 Lender Fees
 30 Years Fixed
5.676% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.625 Points$2,000 Points Fee
$6,345 Total Fees$4,345 Lender Fees
 30 Years Fixed
5.713% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.966 Points$3,091 Points Fee
$3,091 Total Fees$0 Lender Fees
 30 Years Fixed
5.723% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.750 Points$2,400 Points Fee
$3,450 Total Fees$1,050 Lender Fees
 30 Years Fixed
5.727% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.960 Points$3,072 Points Fee
$8,062 Total Fees$4,990 Lender Fees
 30 Years Fixed
5.737% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.900 Points$2,880 Points Fee
$3,930 Total Fees$1,050 Lender Fees
 30 Years Fixed
5.834% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.600 Points$1,920 Points Fee
$2,920 Total Fees$1,000 Lender Fees
 30 Years Fixed
5.869% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.678 Points$2,170 Points Fee
$4,170 Total Fees$2,000 Lender Fees
 30 Years Fixed
5.944% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.753 Points$2,410 Points Fee
$2,410 Total Fees$0 Lender Fees
 30 Years Fixed
5.953% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.624 Points$1,997 Points Fee
$2,697 Total Fees$700 Lender Fees
 30 Years Fixed
5.964% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.967 Points$3,094 Points Fee
$3,094 Total Fees$0 Lender Fees
 30 Years Fixed
5.985% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.593 Points$1,898 Points Fee
$3,893 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.992% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.773 Points$2,474 Points Fee
$4,224 Total Fees$1,750 Lender Fees
 30 Years Fixed
5.998% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.969 Points$3,101 Points Fee
$4,276 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.000% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.990 Points$3,168 Points Fee
$4,496 Total Fees$1,328 Lender Fees
 30 Years Fixed
6.025% APR 5.875% Rate 45 day rate lock $1,893 Payment per month
1.000 Points$3,200 Points Fee
$5,195 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.052% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.552 Points$1,766 Points Fee
$1,766 Total Fees$0 Lender Fees
 30 Years Fixed
6.089% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.967 Points$3,094 Points Fee
$3,094 Total Fees$0 Lender Fees
 30 Years Fixed
6.190% APR 6.190% Rate 30 day rate lock $1,958 Payment per month
0.000 Points$0 Points Fee
$0 Total Fees$0 Lender Fees
 30 Years Fixed
0% down payment USDA Loan options
Every Mortgage Includes Free Home Price Protection
Numbers you can trust
$0 down payment for Veterans homebuying with a VA Loan
As low as 0% down options & down payment assistance
5.813% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.685 Points$2,192 Points Fee
$2,192 Total Fees$0 Lender Fees
 30 Years Fixed
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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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