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: 08/21/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.202% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.969 Points$3,101 Points Fee
$7,368 Total Fees$4,267 Lender Fees
 30 Years Fixed
6.237% APR 6.125% Rate 15 day rate lock $1,945 Payment per month
0.576 Points$1,843 Points Fee
$3,838 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.327% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.750 Points$2,400 Points Fee
$6,899 Total Fees$4,499 Lender Fees
 30 Years Fixed
6.369% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.962 Points$3,078 Points Fee
$4,128 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.437% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.362 Points$1,158 Points Fee
$6,353 Total Fees$5,195 Lender Fees
 30 Years Fixed
6.440% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.375 Points$1,200 Points Fee
$6,762 Total Fees$5,562 Lender Fees
 30 Years Fixed
6.442% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.375 Points$1,200 Points Fee
$6,530 Total Fees$5,330 Lender Fees
 30 Years Fixed
6.445% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.483 Points$1,546 Points Fee
$2,341 Total Fees$795 Lender Fees
 30 Years Fixed
6.475% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.707 Points$2,262 Points Fee
$3,452 Total Fees$1,190 Lender Fees
 30 Years Fixed
6.490% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.868 Points$2,778 Points Fee
$3,873 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.497% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.801 Points$2,563 Points Fee
$4,192 Total Fees$1,629 Lender Fees
 30 Years Fixed
6.551% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.633 Points$2,026 Points Fee
$2,026 Total Fees$0 Lender Fees
 30 Years Fixed
6.581% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.506 Points$1,619 Points Fee
$2,847 Total Fees$1,228 Lender Fees
 30 Years Fixed
6.584% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.875 Points$2,800 Points Fee
$2,800 Total Fees$0 Lender Fees
 30 Years Fixed
6.588% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.919 Points$2,941 Points Fee
$2,941 Total Fees$0 Lender Fees
 30 Years Fixed
6.590% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.938 Points$3,002 Points Fee
$3,002 Total Fees$0 Lender Fees
 30 Years Fixed
6.597% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.605 Points$1,936 Points Fee
$3,306 Total Fees$1,370 Lender Fees
 30 Years Fixed
6.599% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.718 Points$2,298 Points Fee
$3,534 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.607% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.750 Points$2,400 Points Fee
$3,895 Total Fees$1,495 Lender Fees
 30 Years Fixed
6.617% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.429 Points$1,373 Points Fee
$8,173 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.640% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.909 Points$2,909 Points Fee
$4,809 Total Fees$1,900 Lender Fees
 30 Years Fixed
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6.454% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.829 Points$2,653 Points Fee
$2,653 Total Fees$0 Lender Fees
 30 Years Fixed
Updating Rates...
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.