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: 01/27/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.541% APR 5.375% Rate 30 day rate lock $1,792 Payment per month
0.750 Points$2,400 Points Fee
$5,925 Total Fees$3,525 Lender Fees
 30 Years Fixed
5.587% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.808 Points$2,586 Points Fee
$3,085 Total Fees$499 Lender Fees
 30 Years Fixed
5.665% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.750 Points$2,400 Points Fee
$5,943 Total Fees$3,543 Lender Fees
 30 Years Fixed
5.666% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.846 Points$2,707 Points Fee
$5,907 Total Fees$3,200 Lender Fees
 30 Years Fixed
5.730% APR 5.625% Rate 15 day rate lock $1,843 Payment per month
0.530 Points$1,696 Points Fee
$3,691 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.731% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.850 Points$2,720 Points Fee
$3,720 Total Fees$1,000 Lender Fees
 30 Years Fixed
5.762% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
1.000 Points$3,200 Points Fee
$4,825 Total Fees$1,625 Lender Fees
 30 Years Fixed
5.814% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.694 Points$2,221 Points Fee
$2,221 Total Fees$0 Lender Fees
 30 Years Fixed
5.858% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.840 Points$2,688 Points Fee
$3,783 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.939% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.690 Points$2,208 Points Fee
$2,208 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
6.091% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.607 Points$1,942 Points Fee
$3,270 Total Fees$1,328 Lender Fees
 30 Years Fixed
6.110% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.665 Points$2,128 Points Fee
$4,128 Total Fees$2,000 Lender Fees
 30 Years Fixed
Get home in 2026 with a 0% down VA Loan
5.712% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.958 Points$3,066 Points Fee
$3,066 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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