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: 07/29/2026)
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
6.366% APR 6.250% Rate 15 day rate lock $1,971 Payment per month
0.602 Points$1,926 Points Fee
$3,921 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.385% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.806 Points$2,579 Points Fee
$4,574 Total Fees$1,995 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
6.462% 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
6.464% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.637 Points$2,038 Points Fee
$3,088 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.465% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.657 Points$2,102 Points Fee
$7,297 Total Fees$5,195 Lender Fees
 30 Years Fixed
6.514% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.990 Points$3,168 Points Fee
$4,796 Total Fees$1,628 Lender Fees
 30 Years Fixed
6.572% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.746 Points$2,387 Points Fee
$2,387 Total Fees$0 Lender Fees
 30 Years Fixed
6.577% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.805 Points$2,576 Points Fee
$2,576 Total Fees$0 Lender Fees
 30 Years Fixed
6.578% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.471 Points$1,507 Points Fee
$2,735 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
6.612% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.858 Points$2,746 Points Fee
$3,982 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
6.715% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.932 Points$2,982 Points Fee
$2,982 Total Fees$0 Lender Fees
 30 Years Fixed
6.879% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.988 Points$3,162 Points Fee
$4,352 Total Fees$1,190 Lender Fees
 30 Years Fixed
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6.564% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.668 Points$2,138 Points Fee
$2,138 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.