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: 04/06/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.758% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.840 Points$2,688 Points Fee
$4,683 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.853% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.625 Points$2,000 Points Fee
$3,600 Total Fees$1,600 Lender Fees
 30 Years Fixed
5.971% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
1.000 Points$3,200 Points Fee
$3,332 Total Fees$132 Lender Fees
 30 Years Fixed
5.977% APR 5.875% Rate 15 day rate lock $1,893 Payment per month
0.481 Points$1,539 Points Fee
$3,534 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.999% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.996 Points$3,187 Points Fee
$4,375 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.047% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.750 Points$2,400 Points Fee
$6,148 Total Fees$3,748 Lender Fees
 30 Years Fixed
6.071% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.572 Points$1,830 Points Fee
$2,880 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.090% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.601 Points$1,923 Points Fee
$3,118 Total Fees$1,195 Lender Fees
 30 Years Fixed
6.091% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.978 Points$3,130 Points Fee
$3,130 Total Fees$0 Lender Fees
 30 Years Fixed
6.093% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.653 Points$2,090 Points Fee
$3,280 Total Fees$1,190 Lender Fees
 30 Years Fixed
6.105% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.800 Points$2,560 Points Fee
$3,610 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.108% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.800 Points$2,560 Points Fee
$3,735 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.119% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.934 Points$2,989 Points Fee
$4,084 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.119% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.893 Points$2,858 Points Fee
$4,240 Total Fees$1,382 Lender Fees
 30 Years Fixed
6.124% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
1.000 Points$3,200 Points Fee
$4,383 Total Fees$1,183 Lender Fees
 30 Years Fixed
6.125% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
1.000 Points$3,200 Points Fee
$4,375 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.134% APR 5.874% Rate 30 day rate lock $1,893 Payment per month
0.769 Points$2,461 Points Fee
$9,128 Total Fees$6,667 Lender Fees
 30 Years Fixed
6.135% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.625 Points$2,000 Points Fee
$4,650 Total Fees$2,650 Lender Fees
 30 Years Fixed
6.143% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.791 Points$2,531 Points Fee
$9,331 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.188% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.672 Points$2,150 Points Fee
$2,150 Total Fees$0 Lender Fees
 30 Years Fixed
6.202% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.569 Points$1,821 Points Fee
$2,616 Total Fees$795 Lender Fees
 30 Years Fixed
6.206% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.860 Points$2,752 Points Fee
$2,752 Total Fees$0 Lender Fees
 30 Years Fixed
6.212% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.938 Points$3,002 Points Fee
$3,002 Total Fees$0 Lender Fees
 30 Years Fixed
6.213% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.938 Points$3,002 Points Fee
$3,002 Total Fees$0 Lender Fees
 30 Years Fixed
6.220% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.698 Points$2,234 Points Fee
$3,229 Total Fees$995 Lender Fees
 30 Years Fixed
6.225% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.719 Points$2,301 Points Fee
$3,529 Total Fees$1,228 Lender Fees
 30 Years Fixed
6.242% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
1.000 Points$3,200 Points Fee
$4,005 Total Fees$805 Lender Fees
 30 Years Fixed
6.244% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.869 Points$2,781 Points Fee
$4,076 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.277% APR 6.125% Rate 45 day rate lock $1,945 Payment per month
1.000 Points$3,200 Points Fee
$5,195 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.321% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.750 Points$2,400 Points Fee
$2,400 Total Fees$0 Lender Fees
 30 Years Fixed
6.340% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.434 Points$1,389 Points Fee
$3,171 Total Fees$1,782 Lender Fees
 30 Years Fixed
6.342% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.665 Points$2,128 Points Fee
$3,123 Total Fees$995 Lender Fees
 30 Years Fixed
6.433% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.611 Points$1,955 Points Fee
$1,955 Total Fees$0 Lender Fees
 30 Years Fixed
6.582% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.962 Points$3,078 Points Fee
$3,078 Total Fees$0 Lender Fees
 30 Years Fixed
6.619% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.881 Points$2,819 Points Fee
$4,314 Total Fees$1,495 Lender Fees
 30 Years Fixed
6.627% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.974 Points$3,117 Points Fee
$4,242 Total Fees$1,125 Lender Fees
 30 Years Fixed
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6.184% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.634 Points$2,029 Points Fee
$2,029 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.