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: 01/07/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.554% APR 5.375% Rate 30 day rate lock $1,792 Payment per month
1.000 Points$3,200 Points Fee
$6,400 Total Fees$3,200 Lender Fees
 30 Years Fixed
5.584% APR 5.375% Rate 30 day rate lock $1,792 Payment per month
1.000 Points$3,200 Points Fee
$7,589 Total Fees$4,389 Lender Fees
 30 Years Fixed
5.687% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
1.000 Points$3,200 Points Fee
$6,743 Total Fees$3,543 Lender Fees
 30 Years Fixed
5.718% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.865 Points$2,768 Points Fee
$3,267 Total Fees$499 Lender Fees
 30 Years Fixed
5.737% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.875 Points$2,800 Points Fee
$3,925 Total Fees$1,125 Lender Fees
 30 Years Fixed
5.747% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
1.000 Points$3,200 Points Fee
$4,375 Total Fees$1,175 Lender Fees
 30 Years Fixed
5.748% APR 5.625% Rate 15 day rate lock $1,843 Payment per month
0.728 Points$2,330 Points Fee
$4,325 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.796% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.500 Points$1,600 Points Fee
$1,600 Total Fees$0 Lender Fees
 30 Years Fixed
5.818% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.490 Points$1,568 Points Fee
$2,368 Total Fees$800 Lender Fees
 30 Years Fixed
5.826% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.500 Points$1,600 Points Fee
$2,650 Total Fees$1,050 Lender Fees
 30 Years Fixed
5.842% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
1.000 Points$3,200 Points Fee
$3,200 Total Fees$0 Lender Fees
 30 Years Fixed
5.869% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.950 Points$3,040 Points Fee
$4,250 Total Fees$1,210 Lender Fees
 30 Years Fixed
5.879% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.788 Points$2,522 Points Fee
$4,522 Total Fees$2,000 Lender Fees
 30 Years Fixed
5.908% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.731 Points$2,339 Points Fee
$5,539 Total Fees$3,200 Lender Fees
 30 Years Fixed
5.922% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.881 Points$2,819 Points Fee
$6,119 Total Fees$3,300 Lender Fees
 30 Years Fixed
5.923% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.517 Points$1,654 Points Fee
$1,654 Total Fees$0 Lender Fees
 30 Years Fixed
5.930% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.591 Points$1,891 Points Fee
$1,891 Total Fees$0 Lender Fees
 30 Years Fixed
5.938% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.684 Points$2,189 Points Fee
$2,189 Total Fees$0 Lender Fees
 30 Years Fixed
5.943% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.391 Points$1,251 Points Fee
$2,346 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.946% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.533 Points$1,706 Points Fee
$2,456 Total Fees$750 Lender Fees
 30 Years Fixed
5.951% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.820 Points$2,624 Points Fee
$2,624 Total Fees$0 Lender Fees
 30 Years Fixed
5.999% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
1.000 Points$3,200 Points Fee
$4,403 Total Fees$1,203 Lender Fees
 30 Years Fixed
6.003% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.796 Points$2,547 Points Fee
$4,435 Total Fees$1,888 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
6.093% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.998 Points$3,194 Points Fee
$3,194 Total Fees$0 Lender Fees
 30 Years Fixed
6.103% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.739 Points$2,365 Points Fee
$3,692 Total Fees$1,327 Lender Fees
 30 Years Fixed
6.200% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.586 Points$1,875 Points Fee
$2,575 Total Fees$700 Lender Fees
 30 Years Fixed
Get home in 2026 with a 0% down VA Loan
5.808% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.631 Points$2,019 Points Fee
$2,019 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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