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: 12/13/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.825% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.875 Points$2,800 Points Fee
$7,145 Total Fees$4,345 Lender Fees
 30 Years Fixed
5.872% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.713 Points$2,282 Points Fee
$4,277 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.906% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.625 Points$2,000 Points Fee
$5,543 Total Fees$3,543 Lender Fees
 30 Years Fixed
5.929% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.581 Points$1,859 Points Fee
$1,859 Total Fees$0 Lender Fees
 30 Years Fixed
5.961% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.928 Points$2,970 Points Fee
$2,970 Total Fees$0 Lender Fees
 30 Years Fixed
5.963% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.625 Points$2,000 Points Fee
$3,050 Total Fees$1,050 Lender Fees
 30 Years Fixed
5.973% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.719 Points$2,301 Points Fee
$3,396 Total Fees$1,095 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
6.022% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.591 Points$1,891 Points Fee
$5,191 Total Fees$3,300 Lender Fees
 30 Years Fixed
6.052% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.668 Points$2,138 Points Fee
$2,138 Total Fees$0 Lender Fees
 30 Years Fixed
6.059% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.441 Points$1,411 Points Fee
$6,401 Total Fees$4,990 Lender Fees
 30 Years Fixed
6.080% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.642 Points$2,054 Points Fee
$2,804 Total Fees$750 Lender Fees
 30 Years Fixed
6.090% APR 6.090% Rate 30 day rate lock $1,938 Payment per month
0.000 Points$0 Points Fee
$0 Total Fees$0 Lender Fees
 30 Years Fixed
6.139% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.218% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.993 Points$3,178 Points Fee
$3,178 Total Fees$0 Lender Fees
 30 Years Fixed
6.353% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.876 Points$2,803 Points Fee
$3,503 Total Fees$700 Lender Fees
 30 Years Fixed
Numbers you can trust
$0 down payment for Veterans homebuying with a VA Loan
"Unlock Your Dream Home with Us!"
0% down payment USDA Loan options
5.839% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.974 Points$3,117 Points Fee
$3,117 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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