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: 06/12/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.950% APR 5.740% Rate 30 day rate lock $1,866 Payment per month
0.982 Points$3,142 Points Fee
$7,409 Total Fees$4,267 Lender Fees
 30 Years Fixed
6.028% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.500 Points$1,600 Points Fee
$5,299 Total Fees$3,699 Lender Fees
 30 Years Fixed
6.113% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.875 Points$2,800 Points Fee
$8,285 Total Fees$5,485 Lender Fees
 30 Years Fixed
6.139% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.600 Points$1,920 Points Fee
$4,988 Total Fees$3,068 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
6.244% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.924 Points$2,957 Points Fee
$4,185 Total Fees$1,228 Lender Fees
 30 Years Fixed
6.259% APR 6.124% Rate 15 day rate lock $1,945 Payment per month
0.816 Points$2,611 Points Fee
$4,606 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.286% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.375 Points$1,200 Points Fee
$1,315 Total Fees$115 Lender Fees
 30 Years Fixed
6.318% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.375 Points$1,200 Points Fee
$2,375 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.325% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.485 Points$1,552 Points Fee
$2,552 Total Fees$1,000 Lender Fees
 30 Years Fixed
6.333% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.875 Points$2,800 Points Fee
$2,800 Total Fees$0 Lender Fees
 30 Years Fixed
6.341% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.500 Points$1,600 Points Fee
$3,095 Total Fees$1,495 Lender Fees
 30 Years Fixed
6.343% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.639 Points$2,045 Points Fee
$3,140 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.347% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.627 Points$2,006 Points Fee
$3,301 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.351% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.757 Points$2,422 Points Fee
$3,658 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.370% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.792 Points$2,534 Points Fee
$4,163 Total Fees$1,629 Lender Fees
 30 Years Fixed
6.384% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.646 Points$2,067 Points Fee
$8,867 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.407% APR 6.374% Rate 30 day rate lock $1,997 Payment per month
0.000 Points$0 Points Fee
$1,188 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.419% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.456 Points$1,459 Points Fee
$1,459 Total Fees$0 Lender Fees
 30 Years Fixed
6.423% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.985 Points$3,152 Points Fee
$5,999 Total Fees$2,847 Lender Fees
 30 Years Fixed
6.440% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.688 Points$2,202 Points Fee
$2,202 Total Fees$0 Lender Fees
 30 Years Fixed
6.450% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.417 Points$1,334 Points Fee
$2,529 Total Fees$1,195 Lender Fees
 30 Years Fixed
6.481% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.650 Points$2,080 Points Fee
$3,574 Total Fees$1,494 Lender Fees
 30 Years Fixed
6.494% APR 6.375% Rate 45 day rate lock $1,997 Payment per month
0.625 Points$2,000 Points Fee
$3,995 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.532% APR 6.490% Rate 35 day rate lock $2,021 Payment per month
0.000 Points$0 Points Fee
$1,395 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.566% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.795 Points$2,544 Points Fee
$2,544 Total Fees$0 Lender Fees
 30 Years Fixed
6.584% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.987 Points$3,158 Points Fee
$3,158 Total Fees$0 Lender Fees
 30 Years Fixed
6.620% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.911 Points$2,915 Points Fee
$4,105 Total Fees$1,190 Lender Fees
 30 Years Fixed
6.757% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.903 Points$2,890 Points Fee
$4,385 Total Fees$1,495 Lender Fees
 30 Years Fixed
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6.302% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.549 Points$1,757 Points Fee
$1,757 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.