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: 12/21/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.221% APR 5.125% Rate 30 day rate lock $1,743 Payment per month
0.749 Points$2,397 Points Fee
$3,585 Total Fees$1,188 Lender Fees
 5 Years ARM
5.423% APR 5.250% Rate 30 day rate lock $1,768 Payment per month
0.951 Points$3,043 Points Fee
$6,343 Total Fees$3,300 Lender Fees
 5 Years ARM
5.481% APR 5.375% Rate 30 day rate lock $1,792 Payment per month
0.842 Points$2,694 Points Fee
$3,789 Total Fees$1,095 Lender Fees
 5 Years ARM
5.560% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.000 Points$0 Points Fee
$2,316 Total Fees$2,316 Lender Fees
 5 Years ARM
5.706% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.891 Points$2,851 Points Fee
$2,851 Total Fees$0 Lender Fees
 5 Years ARM
5.731% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.824 Points$2,637 Points Fee
$3,827 Total Fees$1,190 Lender Fees
 5 Years ARM
5.991% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.903 Points$2,890 Points Fee
$4,100 Total Fees$1,210 Lender Fees
 5 Years ARM
6.186% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
1.000 Points$3,200 Points Fee
$6,400 Total Fees$3,200 Lender Fees
 5 Years ARM
6.245% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.907 Points$2,902 Points Fee
$4,097 Total Fees$1,195 Lender Fees
 5 Years ARM
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5.326% APR 5.250% Rate 30 day rate lock $1,768 Payment per month
0.851 Points$2,723 Points Fee
$2,723 Total Fees$0 Lender Fees
 5 Years ARM
Updating Rates...
Updating Rates...
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.