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: 04/04/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.333% APR 5.125% Rate 30 day rate lock $1,743 Payment per month
0.958 Points$3,066 Points Fee
$7,565 Total Fees$4,499 Lender Fees
 30 Years FixedVA Loan
5.393% APR 5.250% Rate 30 day rate lock $1,768 Payment per month
0.363 Points$1,162 Points Fee
$5,162 Total Fees$4,000 Lender Fees
 30 Years FixedVA Loan
5.459% APR 5.250% Rate 30 day rate lock $1,768 Payment per month
0.602 Points$1,926 Points Fee
$7,744 Total Fees$5,818 Lender Fees
 30 Years FixedVA Loan
5.462% APR 5.250% Rate 30 day rate lock $1,768 Payment per month
0.751 Points$2,403 Points Fee
$7,785 Total Fees$5,382 Lender Fees
 30 Years FixedVA Loan
5.481% APR 5.250% Rate 30 day rate lock $1,768 Payment per month
0.352 Points$1,126 Points Fee
$8,326 Total Fees$7,200 Lender Fees
 30 Years FixedVA Loan
5.586% APR 5.375% Rate 30 day rate lock $1,792 Payment per month
0.768 Points$2,458 Points Fee
$7,553 Total Fees$5,095 Lender Fees
 30 Years FixedVA Loan
5.593% APR 5.375% Rate 30 day rate lock $1,792 Payment per month
0.692 Points$2,214 Points Fee
$7,814 Total Fees$5,600 Lender Fees
 30 Years FixedVA Loan
5.616% APR 5.250% Rate 30 day rate lock $1,768 Payment per month
0.961 Points$3,075 Points Fee
$13,275 Total Fees$10,200 Lender Fees
 30 Years FixedVA Loan
5.667% APR 5.375% Rate 30 day rate lock $1,792 Payment per month
0.942 Points$3,014 Points Fee
$10,557 Total Fees$7,543 Lender Fees
 30 Years FixedVA Loan
5.681% APR 5.490% Rate 30 day rate lock $1,815 Payment per month
0.877 Points$2,806 Points Fee
$6,806 Total Fees$4,000 Lender Fees
 30 Years FixedVA Loan
5.879% APR 5.625% Rate 15 day rate lock $1,843 Payment per month
0.932 Points$2,982 Points Fee
$8,977 Total Fees$5,995 Lender Fees
 30 Years FixedVA Loan
5.945% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.886 Points$2,835 Points Fee
$6,835 Total Fees$4,000 Lender Fees
 30 Years FixedVA Loan
5.965% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.848 Points$2,714 Points Fee
$7,614 Total Fees$4,900 Lender Fees
 30 Years FixedVA Loan
6.161% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.483 Points$1,546 Points Fee
$5,546 Total Fees$4,000 Lender Fees
 30 Years FixedVA Loan
6.240% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.834 Points$2,669 Points Fee
$8,451 Total Fees$5,782 Lender Fees
 30 Years FixedVA Loan
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5.552% APR 5.375% Rate 30 day rate lock $1,792 Payment per month
0.724 Points$2,317 Points Fee
$6,317 Total Fees$4,000 Lender Fees
 30 Years FixedVA Loan
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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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