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: 05/02/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.361% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.800 Points$2,560 Points Fee
$3,819 Total Fees$1,259 Lender Fees
 30 Years Fixed
6.387% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.625 Points$2,000 Points Fee
$4,650 Total Fees$2,650 Lender Fees
 30 Years Fixed
6.459% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.550 Points$1,760 Points Fee
$2,810 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.471% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.758 Points$2,426 Points Fee
$3,436 Total Fees$1,010 Lender Fees
 30 Years Fixed
6.500% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
1.000 Points$3,200 Points Fee
$4,295 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.579% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.821 Points$2,627 Points Fee
$2,727 Total Fees$100 Lender Fees
 30 Years Fixed
6.648% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.992 Points$3,174 Points Fee
$5,127 Total Fees$1,953 Lender Fees
 30 Years Fixed
6.684% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.614 Points$1,965 Points Fee
$1,965 Total Fees$0 Lender Fees
 30 Years Fixed
6.713% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.909 Points$2,909 Points Fee
$2,909 Total Fees$0 Lender Fees
 30 Years Fixed
6.717% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.733 Points$2,346 Points Fee
$3,046 Total Fees$700 Lender Fees
 30 Years Fixed
6.745% APR 6.624% Rate 30 day rate lock $2,049 Payment per month
0.910 Points$2,912 Points Fee
$4,007 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.806% APR 6.625% Rate 45 day rate lock $2,049 Payment per month
0.875 Points$2,800 Points Fee
$6,000 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.821% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.733 Points$2,346 Points Fee
$2,346 Total Fees$0 Lender Fees
 30 Years Fixed
6.829% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.813 Points$2,602 Points Fee
$2,602 Total Fees$0 Lender Fees
 30 Years Fixed
6.869% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.750 Points$2,400 Points Fee
$4,050 Total Fees$1,650 Lender Fees
 30 Years Fixed
6.879% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.780 Points$2,496 Points Fee
$4,246 Total Fees$1,750 Lender Fees
 30 Years Fixed
6.965% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.914 Points$2,925 Points Fee
$2,925 Total Fees$0 Lender Fees
 30 Years Fixed
7.194% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.688 Points$2,202 Points Fee
$2,400 Total Fees$198 Lender Fees
 30 Years Fixed
7.350% APR 7.250% Rate 30 day rate lock $2,183 Payment per month
1.000 Points$3,200 Points Fee
$3,200 Total Fees$0 Lender Fees
 30 Years Fixed
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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.