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: 01/29/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.702% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.502 Points$1,606 Points Fee
$2,794 Total Fees$1,188 Lender Fees
 30 Years Fixed
5.732% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.800 Points$2,560 Points Fee
$3,755 Total Fees$1,195 Lender Fees
 30 Years Fixed
5.748% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
1.000 Points$3,200 Points Fee
$4,410 Total Fees$1,210 Lender Fees
 30 Years Fixed
5.935% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.646 Points$2,067 Points Fee
$2,067 Total Fees$0 Lender Fees
 30 Years Fixed
5.956% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.529 Points$1,693 Points Fee
$2,788 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.971% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.634 Points$2,029 Points Fee
$3,324 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.002% APR 5.875% Rate 45 day rate lock $1,893 Payment per month
0.750 Points$2,400 Points Fee
$4,395 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.190% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.688 Points$2,202 Points Fee
$2,202 Total Fees$0 Lender Fees
 30 Years Fixed
6.261% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.829 Points$2,653 Points Fee
$4,653 Total Fees$2,000 Lender Fees
 30 Years Fixed
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5.807% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.624 Points$1,997 Points Fee
$1,997 Total Fees$0 Lender Fees
 30 Years Fixed
Updating Rates...
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.