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: 03/12/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.646% APR 5.500% Rate 45 day rate lock $1,817 Payment per month
1.000 Points$3,200 Points Fee
$5,195 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.790% APR 5.790% Rate 30 day rate lock $1,876 Payment per month
0.000 Points$0 Points Fee
$0 Total Fees$0 Lender Fees
 30 Years Fixed
5.814% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
1.000 Points$3,200 Points Fee
$6,743 Total Fees$3,543 Lender Fees
 30 Years Fixed
5.851% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.712 Points$2,278 Points Fee
$3,660 Total Fees$1,382 Lender Fees
 30 Years Fixed
5.853% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.750 Points$2,400 Points Fee
$3,575 Total Fees$1,175 Lender Fees
 30 Years Fixed
5.856% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.850 Points$2,720 Points Fee
$3,720 Total Fees$1,000 Lender Fees
 30 Years Fixed
5.857% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.700 Points$2,240 Points Fee
$3,730 Total Fees$1,490 Lender Fees
 30 Years Fixed
5.862% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.885 Points$2,832 Points Fee
$3,927 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.862% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.604 Points$1,933 Points Fee
$3,928 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.868% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.744 Points$2,381 Points Fee
$8,581 Total Fees$6,200 Lender Fees
 30 Years Fixed
5.872% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
1.000 Points$3,200 Points Fee
$4,250 Total Fees$1,050 Lender Fees
 30 Years Fixed
5.872% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
1.000 Points$3,200 Points Fee
$4,383 Total Fees$1,183 Lender Fees
 30 Years Fixed
5.875% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
1.000 Points$3,200 Points Fee
$4,548 Total Fees$1,348 Lender Fees
 30 Years Fixed
5.887% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.866 Points$2,771 Points Fee
$4,771 Total Fees$2,000 Lender Fees
 30 Years Fixed
5.900% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
1.000 Points$3,200 Points Fee
$5,377 Total Fees$2,177 Lender Fees
 30 Years Fixed
5.932% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.618 Points$1,978 Points Fee
$1,978 Total Fees$0 Lender Fees
 30 Years Fixed
5.973% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.626 Points$2,003 Points Fee
$3,398 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.121% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.791 Points$2,531 Points Fee
$4,313 Total Fees$1,782 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
Numbers you can trust
Veterans: Use your VA benefit to buy with 0% down
5.925% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.546 Points$1,747 Points Fee
$1,747 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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