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: 07/30/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.132% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.950 Points$3,040 Points Fee
$4,525 Total Fees$1,485 Lender Fees
 30 Years Fixed
6.205% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.775 Points$2,480 Points Fee
$2,730 Total Fees$250 Lender Fees
 30 Years Fixed
6.238% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.875 Points$2,800 Points Fee
$3,850 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.292% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.984 Points$3,149 Points Fee
$5,816 Total Fees$2,667 Lender Fees
 30 Years Fixed
6.319% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.400 Points$1,280 Points Fee
$2,330 Total Fees$1,050 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
6.348% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.666 Points$2,131 Points Fee
$3,326 Total Fees$1,195 Lender Fees
 30 Years Fixed
6.350% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.750 Points$2,400 Points Fee
$3,400 Total Fees$1,000 Lender Fees
 30 Years Fixed
6.489% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.855 Points$2,736 Points Fee
$3,831 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.490% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.000 Points$0 Points Fee
$0 Total Fees$0 Lender Fees
 30 Years Fixed
6.572% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.852 Points$2,726 Points Fee
$2,726 Total Fees$0 Lender Fees
 30 Years Fixed
6.573% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.641 Points$2,051 Points Fee
$2,751 Total Fees$700 Lender Fees
 30 Years Fixed
6.582% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.524 Points$1,677 Points Fee
$3,072 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.607% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.858 Points$2,746 Points Fee
$3,921 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.644% APR 6.500% Rate 45 day rate lock $2,023 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.690% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.678 Points$2,170 Points Fee
$2,170 Total Fees$0 Lender Fees
 30 Years Fixed
6.719% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.611 Points$1,955 Points Fee
$3,283 Total Fees$1,328 Lender Fees
 30 Years Fixed
6.814% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.653 Points$2,090 Points Fee
$2,090 Total Fees$0 Lender Fees
 30 Years Fixed
Numbers you can trust
0% down payment USDA Loan options
As low as 0% down options & down payment assistance
PenFed membership is open to everyone, including you.
$0 down payment for Veterans homebuying with a VA Loan
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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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