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: 03/16/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.842% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.500 Points$1,600 Points Fee
$3,200 Total Fees$1,600 Lender Fees
 30 Years Fixed
5.881% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.933 Points$2,986 Points Fee
$4,804 Total Fees$1,818 Lender Fees
 30 Years Fixed
5.886% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.867 Points$2,774 Points Fee
$4,769 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.964% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.572 Points$1,830 Points Fee
$3,212 Total Fees$1,382 Lender Fees
 30 Years Fixed
5.972% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.805 Points$2,576 Points Fee
$3,371 Total Fees$795 Lender Fees
 30 Years Fixed
5.978% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.772 Points$2,470 Points Fee
$3,660 Total Fees$1,190 Lender Fees
 30 Years Fixed
5.978% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.750 Points$2,400 Points Fee
$3,575 Total Fees$1,175 Lender Fees
 30 Years Fixed
5.990% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.875 Points$2,800 Points Fee
$3,995 Total Fees$1,195 Lender Fees
 30 Years Fixed
5.994% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.951 Points$3,043 Points Fee
$4,138 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.032% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.000 Points$0 Points Fee
$1,188 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.082% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.990 Points$3,168 Points Fee
$3,168 Total Fees$0 Lender Fees
 30 Years Fixed
6.198% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.792 Points$2,534 Points Fee
$2,534 Total Fees$0 Lender Fees
 30 Years Fixed
6.207% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.875 Points$2,800 Points Fee
$2,800 Total Fees$0 Lender Fees
 30 Years Fixed
6.210% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.904 Points$2,893 Points Fee
$2,893 Total Fees$0 Lender Fees
 30 Years Fixed
6.228% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.757 Points$2,422 Points Fee
$3,650 Total Fees$1,228 Lender Fees
 30 Years Fixed
6.243% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.853 Points$2,730 Points Fee
$4,025 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.262% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.957 Points$3,062 Points Fee
$4,844 Total Fees$1,782 Lender Fees
 30 Years Fixed
6.267% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.875 Points$2,800 Points Fee
$4,977 Total Fees$2,177 Lender Fees
 30 Years Fixed
6.313% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.352 Points$1,126 Points Fee
$2,121 Total Fees$995 Lender Fees
 30 Years Fixed
6.327% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.813 Points$2,602 Points Fee
$2,602 Total Fees$0 Lender Fees
 30 Years Fixed
6.616% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.853 Points$2,730 Points Fee
$3,855 Total Fees$1,125 Lender Fees
 30 Years Fixed
6.616% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.849 Points$2,717 Points Fee
$4,212 Total Fees$1,495 Lender Fees
 30 Years Fixed
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6.052% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.556 Points$1,779 Points Fee
$1,779 Total Fees$0 Lender Fees
 30 Years Fixed
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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.