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: 04/28/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.739% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.945 Points$3,024 Points Fee
$4,023 Total Fees$999 Lender Fees
 30 Years Fixed
5.837% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.947 Points$3,030 Points Fee
$3,030 Total Fees$0 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
5.859% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.570 Points$1,824 Points Fee
$3,819 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.865% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.636 Points$2,035 Points Fee
$4,030 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.877% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.500 Points$1,600 Points Fee
$4,668 Total Fees$3,068 Lender Fees
 30 Years Fixed
5.883% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.625 Points$2,000 Points Fee
$4,793 Total Fees$2,793 Lender Fees
 30 Years Fixed
5.914% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.425 Points$1,360 Points Fee
$1,360 Total Fees$0 Lender Fees
 30 Years Fixed
5.948% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.475 Points$1,520 Points Fee
$2,520 Total Fees$1,000 Lender Fees
 30 Years Fixed
5.954% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.859 Points$2,749 Points Fee
$2,749 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
5.967% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.623 Points$1,994 Points Fee
$3,189 Total Fees$1,195 Lender Fees
 30 Years Fixed
5.982% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.815 Points$2,608 Points Fee
$3,703 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.999% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.904 Points$2,893 Points Fee
$4,288 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.015% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.960 Points$3,072 Points Fee
$9,272 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.058% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.625 Points$2,000 Points Fee
$2,000 Total Fees$0 Lender Fees
 30 Years Fixed
6.073% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.690 Points$2,208 Points Fee
$6,858 Total Fees$4,650 Lender Fees
 30 Years Fixed
6.085% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.918 Points$2,938 Points Fee
$2,938 Total Fees$0 Lender Fees
 30 Years Fixed
6.151% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
1.000 Points$3,200 Points Fee
$5,195 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.170% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.938 Points$3,002 Points Fee
$6,202 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.239% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.845 Points$2,704 Points Fee
$4,032 Total Fees$1,328 Lender Fees
 30 Years Fixed
6.258% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.584 Points$1,869 Points Fee
$4,716 Total Fees$2,847 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
Veterans: Use your VA benefit to buy with 0% down
Numbers you can trust
6.039% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.529 Points$1,693 Points Fee
$1,693 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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