Current Refinance Rates - 30 Year Fixed Florida Lenders

Looking for Current Refinance Rates for your Florida home?  ERATE.com helps you compare today's home refinance mortgage rates in Florida.  Select from popular programs like the 30 Year Fixed, 15 Year Fixed, 5/1 ARM or other programs and we list the top offers from numerous lenders for you.  Rates are updated daily.

(Last Updated: 09/19/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.627% APR 6.490% Rate 15 day rate lock $2,021 Payment per month
0.812 Points$2,598 Points Fee
$4,593 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.718% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.875 Points$2,800 Points Fee
$7,299 Total Fees$4,499 Lender Fees
 30 Years Fixed
6.838% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.525 Points$1,680 Points Fee
$2,905 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.879% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.500 Points$1,600 Points Fee
$4,250 Total Fees$2,650 Lender Fees
 30 Years Fixed
7.013% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.581 Points$1,859 Points Fee
$8,659 Total Fees$6,800 Lender Fees
 30 Years Fixed
7.114% APR 7.000% Rate 30 day rate lock $2,129 Payment per month
0.687 Points$2,198 Points Fee
$3,692 Total Fees$1,494 Lender Fees
 30 Years Fixed
7.200% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.750 Points$2,400 Points Fee
$2,400 Total Fees$0 Lender Fees
 30 Years Fixed
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6.942% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.680 Points$2,176 Points Fee
$2,176 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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Are you looking for great Refinance Rates for you Florida home?

If you're looking for the best refinance rates in Florida we can help.

Our site compares current refinance rates from a wide variety of popular lenders offering refinancing. You can filter by credit score, loan type, duration of loan to ensure that you can find the best refinance rates in Florida. Additionally you can sort your mortgage lenders results by Annual Percentage Rate (A.P.R.), mortgage rate, monthly mortgage payment, points, lender fees, and type of mortgage program—30 years fixed rate, 15 years fixed rate, 5/1 adjustable rate mortgage.

We provide original, unbiased, user-friendly tools and information for consumers to rely on when making important personal financial decisions relating to mortgages. Find your best refinance loan today!

When Is the Best Time to Refinance to get a lower rate?

Refinance rates fluctuate, so the best time to refinance is when they reach their very lowest. Of course, it's impossible to know in advance when rates are going to rise.

The good news is that at the moment refinance rates are still really low, so if you've got a mortgage that you've had for a while, you should definitely consider refinancing. It's possible that your current rate is higher than you could get currently.  You can easily view our refinance rates by using our iPhone Mortgage Rates App.