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: 04/30/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.879% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.750 Points$2,400 Points Fee
$4,499 Total Fees$2,099 Lender Fees
 30 Years Fixed
5.989% APR 5.875% Rate 15 day rate lock $1,893 Payment per month
0.609 Points$1,949 Points Fee
$3,944 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.989% APR 5.874% Rate 30 day rate lock $1,893 Payment per month
0.906 Points$2,899 Points Fee
$4,087 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.067% APR 5.874% Rate 30 day rate lock $1,893 Payment per month
0.781 Points$2,499 Points Fee
$6,766 Total Fees$4,267 Lender Fees
 30 Years Fixed
6.081% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.973 Points$3,114 Points Fee
$3,114 Total Fees$0 Lender Fees
 30 Years Fixed
6.085% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.625 Points$2,000 Points Fee
$7,281 Total Fees$5,281 Lender Fees
 30 Years Fixed
6.093% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
1.000 Points$3,200 Points Fee
$3,315 Total Fees$115 Lender Fees
 30 Years Fixed
6.093% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
1.000 Points$3,200 Points Fee
$3,200 Total Fees$0 Lender Fees
 30 Years Fixed
6.104% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$3,575 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.105% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$3,785 Total Fees$1,385 Lender Fees
 30 Years Fixed
6.110% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.897 Points$2,870 Points Fee
$3,920 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.125% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
1.000 Points$3,200 Points Fee
$4,375 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.135% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.625 Points$2,000 Points Fee
$4,650 Total Fees$2,650 Lender Fees
 30 Years Fixed
6.158% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.951 Points$3,043 Points Fee
$9,843 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.170% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.476 Points$1,523 Points Fee
$1,523 Total Fees$0 Lender Fees
 30 Years Fixed
6.202% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.815 Points$2,608 Points Fee
$2,608 Total Fees$0 Lender Fees
 30 Years Fixed
6.235% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.858 Points$2,746 Points Fee
$3,982 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.235% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.844 Points$2,701 Points Fee
$3,796 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.238% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.866 Points$2,771 Points Fee
$3,999 Total Fees$1,228 Lender Fees
 30 Years Fixed
6.247% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.931 Points$2,979 Points Fee
$4,174 Total Fees$1,195 Lender Fees
 30 Years Fixed
6.277% APR 6.125% Rate 45 day rate lock $1,945 Payment per month
1.000 Points$3,200 Points Fee
$5,195 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.296% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.994 Points$3,181 Points Fee
$6,028 Total Fees$2,847 Lender Fees
 30 Years Fixed
6.309% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.625 Points$2,000 Points Fee
$2,000 Total Fees$0 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
6.349% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.739 Points$2,365 Points Fee
$3,360 Total Fees$995 Lender Fees
 30 Years Fixed
6.351% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.664 Points$2,125 Points Fee
$3,420 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.441% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.690 Points$2,208 Points Fee
$2,208 Total Fees$0 Lender Fees
 30 Years Fixed
6.493% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.893 Points$2,858 Points Fee
$4,048 Total Fees$1,190 Lender Fees
 30 Years Fixed
6.595% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.990 Points$3,168 Points Fee
$3,168 Total Fees$0 Lender Fees
 30 Years Fixed
6.619% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.883 Points$2,826 Points Fee
$4,321 Total Fees$1,495 Lender Fees
 30 Years Fixed
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6.177% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.556 Points$1,779 Points Fee
$1,779 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.