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: 09/02/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.349% APR 6.250% Rate 15 day rate lock $1,971 Payment per month
0.421 Points$1,347 Points Fee
$3,342 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.430% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.500 Points$1,600 Points Fee
$6,099 Total Fees$4,499 Lender Fees
 30 Years Fixed
6.493% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.958 Points$3,066 Points Fee
$8,261 Total Fees$5,195 Lender Fees
 30 Years Fixed
6.551% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.542 Points$1,734 Points Fee
$6,001 Total Fees$4,267 Lender Fees
 30 Years Fixed
6.570% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.384 Points$1,229 Points Fee
$2,419 Total Fees$1,190 Lender Fees
 30 Years Fixed
6.580% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.534 Points$1,709 Points Fee
$2,759 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.581% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.725 Points$2,320 Points Fee
$2,861 Total Fees$541 Lender Fees
 30 Years Fixed
6.584% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.875 Points$2,800 Points Fee
$2,915 Total Fees$115 Lender Fees
 30 Years Fixed
6.587% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.525 Points$1,680 Points Fee
$2,905 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.595% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.625 Points$2,000 Points Fee
$3,175 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.623% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.884 Points$2,829 Points Fee
$4,199 Total Fees$1,370 Lender Fees
 30 Years Fixed
6.625% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.965 Points$3,088 Points Fee
$4,183 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.631% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.963 Points$3,082 Points Fee
$4,377 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.641% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.995 Points$3,184 Points Fee
$4,812 Total Fees$1,628 Lender Fees
 30 Years Fixed
6.668% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.964 Points$3,085 Points Fee
$9,885 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.693% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.707 Points$2,262 Points Fee
$2,262 Total Fees$0 Lender Fees
 30 Years Fixed
6.710% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.875 Points$2,800 Points Fee
$2,800 Total Fees$0 Lender Fees
 30 Years Fixed
6.711% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.578 Points$1,850 Points Fee
$3,086 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.712% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.902 Points$2,886 Points Fee
$2,886 Total Fees$0 Lender Fees
 30 Years Fixed
6.716% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.938 Points$3,002 Points Fee
$3,002 Total Fees$0 Lender Fees
 30 Years Fixed
6.729% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.822 Points$2,630 Points Fee
$3,425 Total Fees$795 Lender Fees
 30 Years Fixed
6.731% APR 6.625% Rate 35 day rate lock $2,049 Payment per month
0.625 Points$2,000 Points Fee
$3,495 Total Fees$1,495 Lender Fees
 30 Years Fixed
6.844% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.504 Points$1,613 Points Fee
$3,107 Total Fees$1,494 Lender Fees
 30 Years Fixed
6.849% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.464 Points$1,485 Points Fee
$3,385 Total Fees$1,900 Lender Fees
 30 Years Fixed
6.949% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.750 Points$2,400 Points Fee
$2,400 Total Fees$0 Lender Fees
 30 Years Fixed
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6.590% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.934 Points$2,989 Points Fee
$2,989 Total Fees$0 Lender Fees
 30 Years Fixed
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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.