Home Mortgage Loan Ratesin Florida

Planning on purchasing a new home? If you are a veteran, active duty personnel, or a reservist, VA Loans allow you to buy a home without having to make a down payment and no monthly mortgage insurance premium to pay. Use ERATE®'s rate chart to compare today's top rates in Florida and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your home loan to ensure you get the best rate and pricing.

(Last Updated: 09/07/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.340% APR 5.125% Rate 30 day rate lock $1,743 Payment per month
0.696 Points$2,227 Points Fee
$7,827 Total Fees$5,600 Lender Fees
 30 Years FixedVA Loan
5.439% APR 5.250% Rate 30 day rate lock $1,768 Payment per month
0.550 Points$1,760 Points Fee
$6,810 Total Fees$5,050 Lender Fees
 30 Years FixedVA Loan
5.662% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.545 Points$1,744 Points Fee
$5,744 Total Fees$4,000 Lender Fees
 30 Years FixedVA Loan
5.677% APR 5.490% Rate 30 day rate lock $1,815 Payment per month
0.826 Points$2,643 Points Fee
$6,643 Total Fees$4,000 Lender Fees
 30 Years FixedVA Loan
5.719% APR 5.500% Rate 45 day rate lock $1,817 Payment per month
0.875 Points$2,800 Points Fee
$7,795 Total Fees$4,995 Lender Fees
 30 Years FixedVA Loan
6.081% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.765 Points$2,448 Points Fee
$7,148 Total Fees$4,700 Lender Fees
 30 Years FixedVA Loan
$0 down payment for Veterans homebuying with a VA Loan
Every Mortgage Includes Free Home Price Protection
Numbers you can trust
As low as 0% down options & down payment assistance
0% down payment USDA Loan options
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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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