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: 01/27/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.705% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.538 Points$1,722 Points Fee
$2,910 Total Fees$1,188 Lender Fees
 30 Years Fixed
5.730% APR 5.625% Rate 15 day rate lock $1,843 Payment per month
0.530 Points$1,696 Points Fee
$3,691 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.736% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.850 Points$2,720 Points Fee
$3,895 Total Fees$1,175 Lender Fees
 30 Years Fixed
5.745% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.950 Points$3,040 Points Fee
$4,235 Total Fees$1,195 Lender Fees
 30 Years Fixed
5.748% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
1.000 Points$3,200 Points Fee
$4,410 Total Fees$1,210 Lender Fees
 30 Years Fixed
5.780% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.875 Points$2,800 Points Fee
$5,484 Total Fees$2,684 Lender Fees
 30 Years Fixed
5.923% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.524 Points$1,677 Points Fee
$1,677 Total Fees$0 Lender Fees
 30 Years Fixed
5.931% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.610 Points$1,952 Points Fee
$1,952 Total Fees$0 Lender Fees
 30 Years Fixed
5.950% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.504 Points$1,613 Points Fee
$2,608 Total Fees$995 Lender Fees
 30 Years Fixed
5.951% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.481 Points$1,539 Points Fee
$2,634 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.962% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.940 Points$3,008 Points Fee
$3,008 Total Fees$0 Lender Fees
 30 Years Fixed
5.972% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.640 Points$2,048 Points Fee
$3,343 Total Fees$1,295 Lender Fees
 30 Years Fixed
5.981% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.639 Points$2,045 Points Fee
$3,827 Total Fees$1,782 Lender Fees
 30 Years Fixed
5.982% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.847 Points$2,710 Points Fee
$3,705 Total Fees$995 Lender Fees
 30 Years Fixed
6.013% APR 5.875% Rate 45 day rate lock $1,893 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.077% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.938 Points$3,002 Points Fee
$3,002 Total Fees$0 Lender Fees
 30 Years Fixed
6.250% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.708 Points$2,266 Points Fee
$4,266 Total Fees$2,000 Lender Fees
 30 Years Fixed
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5.826% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.833 Points$2,666 Points Fee
$2,666 Total Fees$0 Lender Fees
 30 Years Fixed
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Updating Rates...
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.