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: 07/07/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.714% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.756 Points$2,419 Points Fee
$7,614 Total Fees$5,195 Lender Fees
 5 Years ARM
5.714% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.736 Points$2,355 Points Fee
$7,917 Total Fees$5,562 Lender Fees
 5 Years ARM
5.811% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.000 Points$0 Points Fee
$2,316 Total Fees$2,316 Lender Fees
 5 Years ARM
5.862% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.925 Points$2,960 Points Fee
$4,010 Total Fees$1,050 Lender Fees
 5 Years ARM
5.869% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.936 Points$2,995 Points Fee
$4,170 Total Fees$1,175 Lender Fees
 5 Years ARM
6.115% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.891 Points$2,851 Points Fee
$3,946 Total Fees$1,095 Lender Fees
 5 Years ARM
6.139% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 5 Years ARM
6.250% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.995 Points$3,184 Points Fee
$4,412 Total Fees$1,228 Lender Fees
 5 Years ARM
6.282% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.000 Points$0 Points Fee
$1,188 Total Fees$1,188 Lender Fees
 5 Years ARM
6.469% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.992 Points$3,174 Points Fee
$3,174 Total Fees$0 Lender Fees
 5 Years ARM
6.759% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.995 Points$3,184 Points Fee
$4,566 Total Fees$1,382 Lender Fees
 5 Years ARM
A smarter way to get cash from your home
Refinance to lower your rate
Discover multiple refinance options
Low rates, quick quote & approval
Proud to help you find the home loan of your future
5.955% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.862 Points$2,758 Points Fee
$2,758 Total Fees$0 Lender Fees
 5 Years ARM
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.
Family moving in

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.