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: 12/20/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.674% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.934 Points$2,989 Points Fee
$6,289 Total Fees$3,300 Lender Fees
 30 Years Fixed
5.733% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.840 Points$2,688 Points Fee
$3,876 Total Fees$1,188 Lender Fees
 30 Years Fixed
5.807% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.625 Points$2,000 Points Fee
$2,000 Total Fees$0 Lender Fees
 30 Years Fixed
5.845% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.408 Points$1,306 Points Fee
$3,301 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.858% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.840 Points$2,688 Points Fee
$3,878 Total Fees$1,190 Lender Fees
 30 Years Fixed
5.967% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.625 Points$2,000 Points Fee
$3,195 Total Fees$1,195 Lender Fees
 30 Years Fixed
5.974% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.726 Points$2,323 Points Fee
$3,418 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.983% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.941 Points$3,011 Points Fee
$3,761 Total Fees$750 Lender Fees
 30 Years Fixed
6.003% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.987 Points$3,158 Points Fee
$4,453 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.046% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.605 Points$1,936 Points Fee
$1,936 Total Fees$0 Lender Fees
 30 Years Fixed
6.067% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.824 Points$2,637 Points Fee
$2,637 Total Fees$0 Lender Fees
 30 Years Fixed
6.087% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.624 Points$1,997 Points Fee
$2,992 Total Fees$995 Lender Fees
 30 Years Fixed
6.163% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$5,600 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.190% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.688 Points$2,202 Points Fee
$2,202 Total Fees$0 Lender Fees
 30 Years Fixed
6.233% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.931 Points$2,979 Points Fee
$3,679 Total Fees$700 Lender Fees
 30 Years Fixed
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5.838% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.963 Points$3,082 Points Fee
$3,082 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.