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: 07/27/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.327% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.750 Points$2,400 Points Fee
$6,899 Total Fees$4,499 Lender Fees
 30 Years Fixed
6.356% APR 6.250% Rate 15 day rate lock $1,971 Payment per month
0.502 Points$1,606 Points Fee
$3,601 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.386% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.822 Points$2,630 Points Fee
$4,625 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.442% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.725 Points$2,320 Points Fee
$6,587 Total Fees$4,267 Lender Fees
 30 Years Fixed
6.452% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.500 Points$1,600 Points Fee
$7,162 Total Fees$5,562 Lender Fees
 30 Years Fixed
6.453% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.500 Points$1,600 Points Fee
$6,881 Total Fees$5,281 Lender Fees
 30 Years Fixed
6.454% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.500 Points$1,600 Points Fee
$6,930 Total Fees$5,330 Lender Fees
 30 Years Fixed
6.456% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.548 Points$1,754 Points Fee
$2,804 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.458% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.580 Points$1,856 Points Fee
$7,051 Total Fees$5,195 Lender Fees
 30 Years Fixed
6.462% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.525 Points$1,680 Points Fee
$2,905 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.469% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.625 Points$2,000 Points Fee
$3,175 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.494% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.875 Points$2,800 Points Fee
$3,995 Total Fees$1,195 Lender Fees
 30 Years Fixed
6.496% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.926 Points$2,963 Points Fee
$4,151 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.498% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.946 Points$3,027 Points Fee
$4,122 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.501% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.500 Points$1,600 Points Fee
$4,250 Total Fees$2,650 Lender Fees
 30 Years Fixed
6.513% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.978 Points$3,130 Points Fee
$4,758 Total Fees$1,628 Lender Fees
 30 Years Fixed
6.553% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.548 Points$1,754 Points Fee
$1,754 Total Fees$0 Lender Fees
 30 Years Fixed
6.579% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.485 Points$1,552 Points Fee
$2,780 Total Fees$1,228 Lender Fees
 30 Years Fixed
6.599% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.625 Points$2,000 Points Fee
$3,370 Total Fees$1,370 Lender Fees
 30 Years Fixed
6.607% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.809 Points$2,589 Points Fee
$3,825 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.679% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.563 Points$1,802 Points Fee
$1,802 Total Fees$0 Lender Fees
 30 Years Fixed
6.839% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.916 Points$2,931 Points Fee
$2,931 Total Fees$0 Lender Fees
 30 Years Fixed
6.964% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.561 Points$1,795 Points Fee
$2,985 Total Fees$1,190 Lender Fees
 30 Years Fixed
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6.554% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.564 Points$1,805 Points Fee
$1,805 Total Fees$0 Lender Fees
 30 Years Fixed
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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.