Florida Mortgage Rates January 2021

Florida Mortgage Rates - Refinance Rates:

Search and compare mortgage rates and refinance rates in Florida. Our rate table has a list of Florida mortgage rates and mortgage refinance rates. You can also use our free mortgage calculator to calculate monthly mortgage payments.

When you start your search for current mortgage rates in Florida you need to first have an understanding of the types of mortgages available and their corresponding interest rates. Types of rates available in Florida include conforming mortgage rates, super conforming rates, jumbo rates, adjustable rates, HELOC rates and home equity loan rates. There are variations of each type of mortgage available in Florida listed below.

Loan Type Purchase    Refinance	Location State/City    Zip Code		Loan Amt	Points	FICO	% Down
30 year fixed refi 15 year fixed refi 10 year fixed refi 20 year fixed refi 5 year ARM refi 7 year ARM refi 10 year ARM refi 3 year ARM refi 5 year ARM refi I/O 7 year ARM refi I/O 3 year ARM refi I/O	AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY    Aventura Boca Raton Bradenton Cape Coral Coconut Creek Coral Gables Crystal River Daytona Beach Deerfield Beach DeLand Delray Beach Dunedin Ft Lauderdale Ft Myers Ft Walton Beach Gainesville Hallandale Hobe Sound-Port St. Lucie Hollywood Inverness Jacksonville Key West Lakeland Largo Margate Melbourne-Titusville-Palm Bay Miami Mount Dora N. Ft. Myers N. Miami Beach Naples Ocala Ojus Orlando Ormond Beach Panama City Pensacola Pompano Beach Port Charlotte Punta Gorda Sarasota Siesta Key St. Augustine St. Petersburg Sunny Isles Tallahassee Tamarac Tampa Venice Vero Beach West Palm Beach Winter Haven Winter Park		$	All 0 0.1 - .5 .6 - 1 1.1 - 1.5 1.6 - 2 2.1 - 2.5 2.6 - 3	350 - 619 620 - 639 640 - 659 660 - 679 680 - 699 700 - 719 720 - 739 740 - 850	5% 10% 15% 20% 25% 30% 40%

in 32303, All points, 740    Sort by: Default Lender APR Rate Fees in APR Payment Points

Lender

APR

Rate

Cost & Fees

Notes

 

PERIOD_FIXED_30YEARS Mortgage Loan from Lending Heights,LLC

Lending Heights,LLC

https:https://mortgagerates.icanbuy.com/images/lenderslogos/112496.gif

300000

Purchase

2.597%

2.500%

USD

NMLS # 1425476

2.597%

01/23/2021

2.500%

at 0.000 pts
45 day lock rate

Est payment: $1,186

Fees in APR: $3,855

Use one of our quick & easy tools to find out what you qualify for, FREE!

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from Beeline Loans, Inc.

Beeline Loans, Inc.

https:https://mortgagerates.icanbuy.com/images/lenderslogos/112472.gif

300000

Purchase

2.750%

2.750%

USD

NMLS # 1799947

2.750%

01/23/2021

2.750%

at -0.500 pts
45 day lock rate

Est payment: $1,225

Fees in APR: ($1,314)

Beeline is the shortest possible path to a new home or an effortless refi.

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from AmeriSave Mortgage Corporation

AmeriSave Mortgage Corporation

https:https://mortgagerates.icanbuy.com/images/lenderslogos/111333.gif

300000

Purchase

2.625%

2.625%

USD

NMLS # 1168
State Lic # MLD849

2.625%

01/23/2021

2.625%

at -0.250 pts
30 day lock rate

Est payment: $1,205

Fees in APR: ($705)

Direct Lender. Billions Funded.

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from Figure Lending LLC

Figure Lending LLC

https:https://mortgagerates.icanbuy.com/images/lenderslogos/112490.gif

300000

Purchase

2.450%

2.250%

USD

NMLS # 1717824

2.450%

01/23/2021

2.250%

at 2.000 pts
30 day lock rate

Est payment: $1,147

Fees in APR: $8,550

Put your money where you need it sooner.

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from AmeriSave Mortgage Corporation

AmeriSave Mortgage Corporation

https:https://mortgagerates.icanbuy.com/images/lenderslogos/111333.gif

300000

Purchase

2.400%

2.250%

USD

NMLS # 1168
State Lic # MLD849

2.400%

01/23/2021

2.250%

at 2.000 pts
30 day lock rate

Est payment: $1,147

Fees in APR: $6,048

Direct Lender. Billions Funded.

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from Securitas Mortgage Inc

Securitas Mortgage Inc

https:https://mortgagerates.icanbuy.com/images/lenderslogos/112304.gif

300000

Purchase

2.399%

2.250%

USD

NMLS # 1039147

2.399%

01/23/2021

2.250%

at 2.000 pts
30 day lock rate

Est payment: $1,147

Fees in APR: $6,000

Experience the Securitas difference!

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from Beeline Loans, Inc.

Beeline Loans, Inc.

https:https://mortgagerates.icanbuy.com/images/lenderslogos/112472.gif

300000

Purchase

2.497%

2.375%

USD

NMLS # 1799947

2.497%

01/23/2021

2.375%

at 1.625 pts
45 day lock rate

Est payment: $1,166

Fees in APR: $4,881

Beeline is the shortest possible path to a new home or an effortless refi.

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from Lending Heights,LLC

Lending Heights,LLC

https:https://mortgagerates.icanbuy.com/images/lenderslogos/112496.gif

300000

Purchase

2.441%

2.250%

USD

NMLS # 1425476

2.441%

01/23/2021

2.250%

at 1.375 pts
45 day lock rate

Est payment: $1,147

Fees in APR: $7,692

Use one of our quick & easy tools to find out what you qualify for, FREE!

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from Lending Heights,LLC

Lending Heights,LLC

https:https://mortgagerates.icanbuy.com/images/lenderslogos/112496.gif

300000

Purchase

2.377%

2.125%

USD

NMLS # 1425476

2.377%

01/23/2021

2.125%

at 2.125 pts
45 day lock rate

Est payment: $1,128

Fees in APR: $10,239

Use one of our quick & easy tools to find out what you qualify for, FREE!

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from Savings Home Mortgage Limited Liability Company

Savings Home Mortgage Limited Liability Company

https:https://mortgagerates.icanbuy.com/images/lenderslogos/111433.gif

300000

Purchase

2.223%

1.990%

USD

NMLS # 884697

2.223%

01/23/2021

1.990%

at 2.875 pts
30 day lock rate

Est payment: $1,108

Fees in APR: $9,549

Low Rates and Low Fees! Conventional, FHA, VA and Jumbo specialists

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from AmeriSave Mortgage Corp

AmeriSave Mortgage Corp

https:https://mortgagerates.icanbuy.com/images/lenderslogos/111245.gif

300000

Purchase

USD

NMLS # 1168

0.000%

01/23/2021

0.000%

at 0.000 pts
0 day lock rate

Est payment:

Fees in APR:

Get a Mortgage Rate Quote Fast

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from Figure Lending LLC

Figure Lending LLC

https:https://mortgagerates.icanbuy.com/images/lenderslogos/112504.gif

300000

Purchase

USD

NMLS # 1717824

0.000%

01/23/2021

0.000%

at 0.000 pts
0 day lock rate

Est payment:

Fees in APR:

Apply online in minutes and close in days, not months.

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from Securitas Mortgage Inc

Securitas Mortgage Inc

https:https://mortgagerates.icanbuy.com/images/lenderslogos/112304.gif

300000

Purchase

2.060%

1.750%

USD

NMLS # 1039147

2.060%

01/23/2021

1.750%

at 1.000 pts
30 day lock rate

Est payment: $1,072

Fees in APR: $12,900

Experience the Securitas difference!

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from Securitas Mortgage Inc

Securitas Mortgage Inc

https:https://mortgagerates.icanbuy.com/images/lenderslogos/112304.gif

300000

Purchase

2.368%

2.125%

USD

NMLS # 1039147

2.368%

01/23/2021

2.125%

at 0.000 pts
30 day lock rate

Est payment: $1,128

Fees in APR: $9,900

Experience the Securitas difference!

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from AmeriSave Mortgage Corporation

AmeriSave Mortgage Corporation

https:https://mortgagerates.icanbuy.com/images/lenderslogos/111333.gif

300000

Purchase

2.473%

2.375%

USD

NMLS # 1168
State Lic # MLD849

2.473%

01/23/2021

2.375%

at 1.250 pts
30 day lock rate

Est payment: $1,166

Fees in APR: $3,891

Direct Lender. Billions Funded.

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from Paradise Home Mortgage

Paradise Home Mortgage

https:https://mortgagerates.icanbuy.com/images/lenderslogos/112522.gif

300000

Purchase

2.477%

2.250%

USD

NMLS # 1714743

2.477%

01/23/2021

2.250%

at -0.250 pts
30 day lock rate

Est payment: $1,147

Fees in APR: $9,153

Personalized VA mortgage solutions, fast customized quotes, great rates, & service with integrity.

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from Beeline Loans, Inc.

Beeline Loans, Inc.

https:https://mortgagerates.icanbuy.com/images/lenderslogos/112472.gif

300000

Purchase

2.429%

2.250%

USD

NMLS # 1799947

2.429%

01/23/2021

2.250%

at 2.375 pts
45 day lock rate

Est payment: $1,147

Fees in APR: $7,215

Beeline is the shortest possible path to a new home or an effortless refi.

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from Third Federal Savings and Loan

Third Federal Savings and Loan

https:https://mortgagerates.icanbuy.com/images/lenderslogos/111774.gif

300000

Purchase

2.852%

2.740%

USD

NMLS # 449401

2.852%

01/23/2021

2.740%

at 1.000 pts
30 day lock rate

Est payment: $1,224

Fees in APR: $4,395

Check out our $295 closing cost option. We pay all other costs. No app fee!

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from Savings Home Mortgage Limited Liability Company

Savings Home Mortgage Limited Liability Company

https:https://mortgagerates.icanbuy.com/images/lenderslogos/111433.gif

300000

Purchase

2.250%

2.250%

USD

NMLS # 884697

2.250%

01/23/2021

2.250%

at 0.000 pts
30 day lock rate

Est payment: $1,147

Fees in APR: None

Low Rates and Low Fees! Conventional, FHA, VA and Jumbo specialists

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from Securitas Mortgage Inc

Securitas Mortgage Inc

https:https://mortgagerates.icanbuy.com/images/lenderslogos/112304.gif

300000

Purchase

2.500%

2.500%

USD

NMLS # 1039147

2.500%

01/23/2021

2.500%

at 0.000 pts
30 day lock rate

Est payment: $1,186

Fees in APR: None

Experience the Securitas difference!

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from Third Federal Savings and Loan

Third Federal Savings and Loan

https:https://mortgagerates.icanbuy.com/images/lenderslogos/111774.gif

300000

Purchase

3.026%

2.990%

USD

NMLS # 449401

3.026%

01/23/2021

2.990%

at 0.000 pts
30 day lock rate

Est payment: $1,264

Fees in APR: $1,395

Check out our $295 closing cost option. We pay all other costs. No app fee!

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from AmeriSave Mortgage Corporation

AmeriSave Mortgage Corporation

https:https://mortgagerates.icanbuy.com/images/lenderslogos/111333.gif

300000

Purchase

2.625%

2.625%

USD

NMLS # 1168
State Lic # MLD849

2.625%

01/23/2021

2.625%

at -0.250 pts
30 day lock rate

Est payment: $1,205

Fees in APR: ($705)

Direct Lender. Billions Funded.

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from Beeline Loans, Inc.

Beeline Loans, Inc.

https:https://mortgagerates.icanbuy.com/images/lenderslogos/112472.gif

300000

Purchase

2.750%

2.750%

USD

NMLS # 1799947

2.750%

01/23/2021

2.750%

at -0.500 pts
45 day lock rate

Est payment: $1,225

Fees in APR: ($1,314)

Beeline is the shortest possible path to a new home or an effortless refi.

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from Figure Lending LLC

Figure Lending LLC

https:https://mortgagerates.icanbuy.com/images/lenderslogos/112490.gif

300000

Purchase

2.677%

2.625%

USD

NMLS # 1717824

2.677%

01/23/2021

2.625%

at 0.000 pts
30 day lock rate

Est payment: $1,205

Fees in APR: $2,550

Put your money where you need it sooner.

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from Lending Heights,LLC

Lending Heights,LLC

https:https://mortgagerates.icanbuy.com/images/lenderslogos/112496.gif

300000

Purchase

2.597%

2.500%

USD

NMLS # 1425476

2.597%

01/23/2021

2.500%

at 0.000 pts
45 day lock rate

Est payment: $1,186

Fees in APR: $3,855

Use one of our quick & easy tools to find out what you qualify for, FREE!

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from Beeline Loans, Inc.

Beeline Loans, Inc.

https:https://mortgagerates.icanbuy.com/images/lenderslogos/112472.gif

300000

Purchase

2.556%

2.500%

USD

NMLS # 1799947

2.556%

01/23/2021

2.500%

at 0.750 pts
45 day lock rate

Est payment: $1,186

Fees in APR: $2,226

Beeline is the shortest possible path to a new home or an effortless refi.

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from Securitas Mortgage Inc

Securitas Mortgage Inc

https:https://mortgagerates.icanbuy.com/images/lenderslogos/112304.gif

300000

Purchase

2.450%

2.375%

USD

NMLS # 1039147

2.450%

01/23/2021

2.375%

at 1.000 pts
30 day lock rate

Est payment: $1,166

Fees in APR: $3,000

Experience the Securitas difference!

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from Lending Heights,LLC

Lending Heights,LLC

https:https://mortgagerates.icanbuy.com/images/lenderslogos/112496.gif

300000

Purchase

2.519%

2.375%

USD

NMLS # 1425476

2.519%

01/23/2021

2.375%

at 0.625 pts
45 day lock rate

Est payment: $1,166

Fees in APR: $5,742

Use one of our quick & easy tools to find out what you qualify for, FREE!

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from AmeriSave Mortgage Corporation

AmeriSave Mortgage Corporation

https:https://mortgagerates.icanbuy.com/images/lenderslogos/111333.gif

300000

Purchase

2.534%

2.500%

USD

NMLS # 1168
State Lic # MLD849

2.534%

01/23/2021

2.500%

at 0.500 pts
30 day lock rate

Est payment: $1,186

Fees in APR: $1,329

Direct Lender. Billions Funded.

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from Beeline Loans, Inc.

Beeline Loans, Inc.

https:https://mortgagerates.icanbuy.com/images/lenderslogos/112472.gif

300000

Purchase

2.636%

2.625%

USD

NMLS # 1799947

2.636%

01/23/2021

2.625%

at 0.125 pts
45 day lock rate

Est payment: $1,205

Fees in APR: $417

Beeline is the shortest possible path to a new home or an effortless refi.

 

Next

PERIOD_FIXED_30YEARS Mortgage Loan from Figure Lending LLC

Figure Lending LLC

https:https://mortgagerates.icanbuy.com/images/lenderslogos/112490.gif

300000

Purchase

2.627%

2.500%

USD

NMLS # 1717824

2.627%

01/23/2021

2.500%

at 1.000 pts
30 day lock rate

Est payment: $1,186

Fees in APR: $5,550

Put your money where you need it sooner.

 

Next

Data provided by Brown Bag Marketing, Inc. Payments do not include amounts for taxes and insurance premiums. Click here for more information on rates and product details.

Florida Conforming Mortgage Rates

Conforming mortgage rates are rates on mortgages that meet the criteria set out by the Federal Housing Finance Agency. There are limits set for each county of Florida. There are higher mortgage loan limits for designated high-cost areas, like on the coasts and in large cities.

Florida mortgages that “conform” to the standards set out by the Federal Housing Finance Agency can be purchased by Freddie Mac and Fannie Mae. This process guarantees banks are able to resell Florida mortgage loans that have been made. As a result, Florida mortgage rates today are lower than jumbo interest rates in Florida. Conforming mortgages and jumbo mortgages are available in terms of 40 years, 30 years, 25 years, 20 years, 15 years and 10 years.

Florida Super Conforming Home Loan Rates

Super conforming mortgages in Florida are mortgages that have higher mortgage loan amounts but still “conform” to the standards set by the Federal Housing Finance Agency. Super conforming mortgages are available for the higher cost housing areas like the coasts and in large cities.

Florida Jumbo Loan Interest Rates

Florida jumbo mortgage rates are rates for mortgage loans that have a dollar amount higher than conforming and super conforming loan amounts. Jumbo home loan rates in Florida are usually 0.75 basis points higher than conforming mortgage rates in Florida because there is no guarantee banks and credit unions can sell these mortgages after they make the loans.

Florida Fixed Rate Mortgages

Fixed rate mortgages are the most common mortgage available in Florida. The mortgage rate and the monthly payment stay the same for the entire life of the mortgage loan. This makes fixed rate mortgages the most stable and predictable for mortgagees.

Florida Adjustable Interest Rates

Florida adjustable mortgages have a fixed mortgage rate for a certain number of years and then the mortgage rate adjusts every year after the initial period. There are usually yearly caps and life time caps on how much the mortgage interest rate and fluctuate. Your monthly mortgage payment will be lower at first but can rise when mortgage rates rise. Adjustable mortgages are available in terms of 1 year, 3 years, 5 years, 7 years and 10 years.

Florida Interest Only Home Mortgage Rates

Florida interest only mortgages are mortgages that the borrower pays only the interest on the principal balance or a set period of time. After the initial period the mortgagee pays both interest and principal. Interest only (IO) mortgages were popular during the housing boom.

Florida FHA Mortgage Mortgage Rates

Borrowers in Florida must meet certain requirements established by FHA to qualify for a mortgage insured by the FHA. FHA mortgage interest rates in Florida are usually lower than conforming mortgage interest rates because mortgage lenders bear less risk because FHA will pay the lender if a homeowner defaults on his or her mortgage loan.

Cities in Florida