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: 12/09/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.536% APR 5.375% Rate 30 day rate lock $1,792 Payment per month
0.995 Points$3,184 Points Fee
$5,851 Total Fees$2,667 Lender Fees
 30 Years Fixed
5.893% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.939 Points$3,005 Points Fee
$5,000 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.917% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
1.000 Points$3,200 Points Fee
$5,850 Total Fees$2,650 Lender Fees
 30 Years Fixed
5.956% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.500 Points$1,600 Points Fee
$2,795 Total Fees$1,195 Lender Fees
 30 Years Fixed
5.967% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.500 Points$1,600 Points Fee
$3,200 Total Fees$1,600 Lender Fees
 30 Years Fixed
5.979% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.800 Points$2,560 Points Fee
$3,610 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.003% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.987 Points$3,158 Points Fee
$4,453 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.057% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.610 Points$1,952 Points Fee
$1,952 Total Fees$0 Lender Fees
 30 Years Fixed
6.068% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.719 Points$2,301 Points Fee
$6,696 Total Fees$4,395 Lender Fees
 30 Years Fixed
6.091% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.975 Points$3,120 Points Fee
$3,120 Total Fees$0 Lender Fees
 30 Years Fixed
6.093% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.625 Points$2,000 Points Fee
$3,195 Total Fees$1,195 Lender Fees
 30 Years Fixed
6.094% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.778 Points$2,490 Points Fee
$3,585 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.105% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.897 Points$2,870 Points Fee
$4,058 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.109% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.840 Points$2,688 Points Fee
$4,083 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.289% APR 6.125% Rate 45 day rate lock $1,945 Payment per month
0.750 Points$2,400 Points Fee
$5,600 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.315% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.688 Points$2,202 Points Fee
$2,202 Total Fees$0 Lender Fees
 30 Years Fixed
6.454% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.825 Points$2,640 Points Fee
$2,640 Total Fees$0 Lender Fees
 30 Years Fixed
6.468% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.759 Points$2,429 Points Fee
$3,129 Total Fees$700 Lender Fees
 30 Years Fixed
7.076% APR 6.990% Rate 30 day rate lock $2,127 Payment per month
0.866 Points$2,771 Points Fee
$2,771 Total Fees$0 Lender Fees
 30 Years Fixed
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5.956% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.882 Points$2,822 Points Fee
$2,822 Total Fees$0 Lender Fees
 30 Years Fixed
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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.