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: 10/13/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.590% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
1.000 Points$3,200 Points Fee
$3,200 Total Fees$0 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
5.865% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.925 Points$2,960 Points Fee
$4,010 Total Fees$1,050 Lender Fees
 30 Years Fixed
5.965% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.972 Points$3,110 Points Fee
$3,110 Total Fees$0 Lender Fees
 30 Years Fixed
5.993% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.934 Points$2,989 Points Fee
$4,084 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.998% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.931 Points$2,979 Points Fee
$4,274 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.062% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.776 Points$2,483 Points Fee
$2,483 Total Fees$0 Lender Fees
 30 Years Fixed
6.070% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.744 Points$2,381 Points Fee
$6,776 Total Fees$4,395 Lender Fees
 30 Years Fixed
6.071% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.870 Points$2,784 Points Fee
$2,784 Total Fees$0 Lender Fees
 30 Years Fixed
6.075% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.911 Points$2,915 Points Fee
$2,915 Total Fees$0 Lender Fees
 30 Years Fixed
6.077% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.938 Points$3,002 Points Fee
$3,002 Total Fees$0 Lender Fees
 30 Years Fixed
6.089% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.517 Points$1,654 Points Fee
$3,049 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.227% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.750 Points$2,400 Points Fee
$3,603 Total Fees$1,203 Lender Fees
 30 Years Fixed
6.467% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.962 Points$3,078 Points Fee
$3,078 Total Fees$0 Lender Fees
 30 Years Fixed
6.468% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.756 Points$2,419 Points Fee
$3,119 Total Fees$700 Lender Fees
 30 Years Fixed
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5.943% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.736 Points$2,355 Points Fee
$2,355 Total Fees$0 Lender Fees
 30 Years Fixed
Updating Rates...
Updating Rates...
Rate data provided by RateUpdate.com. Displayed by ICB, a division of 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.