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: 07/07/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.064% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.450 Points$1,440 Points Fee
$2,628 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.081% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.931 Points$2,979 Points Fee
$7,246 Total Fees$4,267 Lender Fees
 30 Years Fixed
6.101% APR 5.990% Rate 15 day rate lock $1,917 Payment per month
0.575 Points$1,840 Points Fee
$3,835 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.113% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.825 Points$2,640 Points Fee
$4,022 Total Fees$1,382 Lender Fees
 30 Years Fixed
6.118% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
1.000 Points$3,200 Points Fee
$8,762 Total Fees$5,562 Lender Fees
 30 Years Fixed
6.186% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.489 Points$1,565 Points Fee
$6,760 Total Fees$5,195 Lender Fees
 30 Years Fixed
6.226% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.778 Points$2,490 Points Fee
$3,540 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.241% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.875 Points$2,800 Points Fee
$3,975 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.249% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.977 Points$3,126 Points Fee
$4,354 Total Fees$1,228 Lender Fees
 30 Years Fixed
6.286% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.967 Points$3,094 Points Fee
$9,894 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.315% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.691 Points$2,211 Points Fee
$2,211 Total Fees$0 Lender Fees
 30 Years Fixed
6.341% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.960 Points$3,072 Points Fee
$3,072 Total Fees$0 Lender Fees
 30 Years Fixed
6.343% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.647 Points$2,070 Points Fee
$3,165 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.344% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.750 Points$2,400 Points Fee
$3,205 Total Fees$805 Lender Fees
 30 Years Fixed
6.344% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
1.000 Points$3,200 Points Fee
$3,200 Total Fees$0 Lender Fees
 30 Years Fixed
6.350% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.746 Points$2,387 Points Fee
$3,623 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.359% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.750 Points$2,400 Points Fee
$3,770 Total Fees$1,370 Lender Fees
 30 Years Fixed
6.368% APR 6.250% Rate 35 day rate lock $1,971 Payment per month
0.819 Points$2,621 Points Fee
$4,016 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.391% APR 6.250% Rate 45 day rate lock $1,971 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.419% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.000 Points$0 Points Fee
$1,495 Total Fees$1,495 Lender Fees
 30 Years Fixed
6.429% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.563 Points$1,802 Points Fee
$1,802 Total Fees$0 Lender Fees
 30 Years Fixed
6.477% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.603 Points$1,930 Points Fee
$3,424 Total Fees$1,494 Lender Fees
 30 Years Fixed
6.561% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.736 Points$2,355 Points Fee
$2,355 Total Fees$0 Lender Fees
 30 Years Fixed
6.628% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.995 Points$3,184 Points Fee
$4,374 Total Fees$1,190 Lender Fees
 30 Years Fixed
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6.218% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.999 Points$3,197 Points Fee
$3,197 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.