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
5.845% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.375 Points$1,200 Points Fee
$3,299 Total Fees$2,099 Lender Fees
 30 Years Fixed
5.891% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.916 Points$2,931 Points Fee
$4,926 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.921% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.975 Points$3,120 Points Fee
$6,188 Total Fees$3,068 Lender Fees
 30 Years Fixed
5.989% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.612 Points$1,958 Points Fee
$3,953 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.994% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.925 Points$2,960 Points Fee
$4,135 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.020% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.750 Points$2,400 Points Fee
$5,050 Total Fees$2,650 Lender Fees
 30 Years Fixed
6.059% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.738 Points$2,362 Points Fee
$2,362 Total Fees$0 Lender Fees
 30 Years Fixed
6.084% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.899 Points$2,877 Points Fee
$2,877 Total Fees$0 Lender Fees
 30 Years Fixed
6.117% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.921 Points$2,947 Points Fee
$4,042 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.120% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.929 Points$2,973 Points Fee
$4,168 Total Fees$1,195 Lender Fees
 30 Years Fixed
6.122% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.996 Points$3,187 Points Fee
$4,423 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.132% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.666 Points$2,131 Points Fee
$8,931 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.182% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.609 Points$1,949 Points Fee
$1,949 Total Fees$0 Lender Fees
 30 Years Fixed
6.207% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.875 Points$2,800 Points Fee
$2,800 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
6.236% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.855 Points$2,736 Points Fee
$3,924 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.239% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.870 Points$2,784 Points Fee
$4,012 Total Fees$1,228 Lender Fees
 30 Years Fixed
6.243% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.850 Points$2,720 Points Fee
$4,015 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.254% APR 6.125% Rate 45 day rate lock $1,945 Payment per month
0.750 Points$2,400 Points Fee
$4,395 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.275% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.765 Points$2,448 Points Fee
$5,295 Total Fees$2,847 Lender Fees
 30 Years Fixed
6.330% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.534 Points$1,709 Points Fee
$2,704 Total Fees$995 Lender Fees
 30 Years Fixed
6.336% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.907 Points$2,902 Points Fee
$2,902 Total Fees$0 Lender Fees
 30 Years Fixed
6.463% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.927 Points$2,966 Points Fee
$2,966 Total Fees$0 Lender Fees
 30 Years Fixed
6.467% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.627 Points$2,006 Points Fee
$3,196 Total Fees$1,190 Lender Fees
 30 Years Fixed
6.603% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.712 Points$2,278 Points Fee
$3,773 Total Fees$1,495 Lender Fees
 30 Years Fixed
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6.063% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.779 Points$2,493 Points Fee
$2,493 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.