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: 07/16/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.109% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.560 Points$1,792 Points Fee
$3,787 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.134% APR 5.990% Rate 15 day rate lock $1,917 Payment per month
0.928 Points$2,970 Points Fee
$4,965 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.210% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.625 Points$2,000 Points Fee
$7,562 Total Fees$5,562 Lender Fees
 30 Years Fixed
6.228% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.948 Points$3,034 Points Fee
$8,229 Total Fees$5,195 Lender Fees
 30 Years Fixed
6.320% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.375 Points$1,200 Points Fee
$2,375 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.330% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.548 Points$1,754 Points Fee
$2,804 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.333% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.532 Points$1,702 Points Fee
$2,890 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.452% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.813 Points$2,602 Points Fee
$2,602 Total Fees$0 Lender Fees
 30 Years Fixed
6.459% APR 6.374% Rate 30 day rate lock $1,997 Payment per month
0.546 Points$1,747 Points Fee
$2,842 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.460% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.578 Points$1,850 Points Fee
$3,086 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.461% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.901 Points$2,883 Points Fee
$2,883 Total Fees$0 Lender Fees
 30 Years Fixed
6.485% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.366 Points$1,171 Points Fee
$7,971 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.532% APR 6.490% Rate 35 day rate lock $2,021 Payment per month
0.000 Points$0 Points Fee
$1,395 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.608% APR 6.500% Rate 45 day rate lock $2,023 Payment per month
0.500 Points$1,600 Points Fee
$3,595 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.742% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.870 Points$2,784 Points Fee
$3,974 Total Fees$1,190 Lender Fees
 30 Years Fixed
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6.325% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.798 Points$2,554 Points Fee
$2,554 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.