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: 09/10/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.498% APR 6.375% Rate 15 day rate lock $1,997 Payment per month
0.668 Points$2,138 Points Fee
$4,133 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.592% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.875 Points$2,800 Points Fee
$7,299 Total Fees$4,499 Lender Fees
 30 Years Fixed
6.725% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.650 Points$2,080 Points Fee
$3,305 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.731% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.750 Points$2,400 Points Fee
$7,730 Total Fees$5,330 Lender Fees
 30 Years Fixed
6.732% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.763 Points$2,442 Points Fee
$3,632 Total Fees$1,190 Lender Fees
 30 Years Fixed
6.747% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.956 Points$3,059 Points Fee
$8,254 Total Fees$5,195 Lender Fees
 30 Years Fixed
6.748% APR 6.624% Rate 30 day rate lock $2,049 Payment per month
0.986 Points$3,155 Points Fee
$4,205 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.765% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.625 Points$2,000 Points Fee
$4,650 Total Fees$2,650 Lender Fees
 30 Years Fixed
6.850% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.625 Points$2,000 Points Fee
$3,370 Total Fees$1,370 Lender Fees
 30 Years Fixed
6.889% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.947 Points$3,030 Points Fee
$4,659 Total Fees$1,629 Lender Fees
 30 Years Fixed
6.896% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.687 Points$2,198 Points Fee
$8,998 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.918% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.438 Points$1,402 Points Fee
$1,402 Total Fees$0 Lender Fees
 30 Years Fixed
6.985% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.655 Points$2,096 Points Fee
$3,590 Total Fees$1,494 Lender Fees
 30 Years Fixed
6.994% APR 6.875% Rate 35 day rate lock $2,103 Payment per month
0.750 Points$2,400 Points Fee
$3,895 Total Fees$1,495 Lender Fees
 30 Years Fixed
7.187% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.622 Points$1,990 Points Fee
$1,990 Total Fees$0 Lender Fees
 30 Years Fixed
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6.816% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.674 Points$2,157 Points Fee
$2,157 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.