Home Refinance Loan Ratesin Florida

Looking to refinance your existing mortgage loan? 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 refinance 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
5.363% APR 5.125% Rate 30 day rate lock $1,743 Payment per month
0.958 Points$3,066 Points Fee
$8,666 Total Fees$5,600 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
5.466% APR 5.250% Rate 30 day rate lock $1,768 Payment per month
0.884 Points$2,829 Points Fee
$7,879 Total Fees$5,050 Lender Fees
 30 Years FixedVA Loan
5.554% APR 5.375% Rate 30 day rate lock $1,792 Payment per month
0.385 Points$1,232 Points Fee
$6,427 Total Fees$5,195 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
5.587% APR 5.375% Rate 30 day rate lock $1,792 Payment per month
0.786 Points$2,515 Points Fee
$7,703 Total Fees$5,188 Lender Fees
 30 Years FixedVA Loan
5.590% APR 5.375% Rate 30 day rate lock $1,792 Payment per month
0.812 Points$2,598 Points Fee
$7,788 Total Fees$5,190 Lender Fees
 30 Years FixedVA Loan
5.650% APR 5.250% Rate 30 day rate lock $1,768 Payment per month
0.961 Points$3,075 Points Fee
$14,525 Total Fees$11,450 Lender Fees
 30 Years FixedVA Loan
5.698% APR 5.490% Rate 30 day rate lock $1,815 Payment per month
0.659 Points$2,109 Points Fee
$7,404 Total Fees$5,295 Lender Fees
 30 Years FixedVA Loan
5.800% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.681 Points$2,179 Points Fee
$6,179 Total Fees$4,000 Lender Fees
 30 Years FixedVA Loan
5.819% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.525 Points$1,680 Points Fee
$6,855 Total Fees$5,175 Lender Fees
 30 Years FixedVA Loan
5.843% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.657 Points$2,102 Points Fee
$7,702 Total Fees$5,600 Lender Fees
 30 Years FixedVA Loan
6.002% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.891 Points$2,851 Points Fee
$8,846 Total Fees$5,995 Lender Fees
 30 Years FixedVA Loan
6.093% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.864 Points$2,765 Points Fee
$7,665 Total Fees$4,900 Lender Fees
 30 Years FixedVA Loan
6.101% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.897 Points$2,870 Points Fee
$7,865 Total Fees$4,995 Lender Fees
 30 Years FixedVA Loan
6.377% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.941 Points$3,011 Points Fee
$8,793 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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