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: 04/28/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.876% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.756 Points$2,419 Points Fee
$4,414 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.898% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.725 Points$2,320 Points Fee
$5,388 Total Fees$3,068 Lender Fees
 30 Years Fixed
5.969% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.390 Points$1,248 Points Fee
$3,243 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.971% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.675 Points$2,160 Points Fee
$3,335 Total Fees$1,175 Lender Fees
 30 Years Fixed
5.995% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.985 Points$3,152 Points Fee
$4,152 Total Fees$1,000 Lender Fees
 30 Years Fixed
6.034% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.982 Points$3,142 Points Fee
$9,942 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.035% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.481 Points$1,539 Points Fee
$1,539 Total Fees$0 Lender Fees
 30 Years Fixed
6.074% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.901 Points$2,883 Points Fee
$2,883 Total Fees$0 Lender Fees
 30 Years Fixed
6.120% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.988 Points$3,162 Points Fee
$4,457 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.190% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.688 Points$2,202 Points Fee
$2,202 Total Fees$0 Lender Fees
 30 Years Fixed
6.236% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.854 Points$2,733 Points Fee
$3,921 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.504% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.886 Points$2,835 Points Fee
$4,330 Total Fees$1,495 Lender Fees
 30 Years Fixed
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6.049% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.635 Points$2,032 Points Fee
$2,032 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.