Florida Mortgage Rates January 2019

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 yr fixed refi in 32303, All points, Credit score: 740+ Sort by:

Lender

APR

Rate

Cost & Fees

Notes

NMLS # 3277

4.371%

1/22/2019

4.250%

at 0.100 pts
30 day lock rate

Est payment: $1,475.82

Fees in APR: $3,966

Thanks for the inquiry!

NMLS # 181005
(844) 365 - 0619

4.477%

1/22/2019

4.375%

at 0.100 pts
45 day lock rate

Est payment: $1,497.86

Fees in APR: $3,271

Thanks for the inquiry!

NMLS # 53112

9.307%

1/22/2019

9.125%

at 0.100 pts
30 day lock rate

Est payment: $2,440.90

Fees in APR: $4,468

Thanks for the inquiry!

NMLS # 66247
State Lic # MLD236
(877) 388 - 9832

4.112%

1/22/2019

3.990%

at 0.100 pts
30 day lock rate

Est payment: $1,430.52

Fees in APR: $4,058

Thank you for your inquiry, we will be in touch shortly.

4.771%

1/22/2019

4.625%

at 0.100 pts
30 day lock rate

Est payment: $1,542.42

Fees in APR: $4,748

Thanks for the inquiry!

NMLS # 541760

9.277%

1/22/2019

9.125%

at 0.100 pts
45 day lock rate

Est payment: $2,440.90

Fees in APR: $3,690

Thank you for your inquiry! We look forward to working with you.

NMLS # 472433

4.292%

1/22/2019

4.125%

at 1.000 pts
30 day lock rate

Est payment: $1,453.95

Fees in APR: $2,914

No Points No Games No Surprises! No Closing Cost Options!

NMLS # 403501

4.416%

1/22/2019

4.250%

at 1.000 pts
30 day lock rate

Est payment: $1,475.82

Fees in APR: $2,841

NMLS # 330511

4.183%

1/22/2019

4.125%

at 0.000 pts
30 day lock rate

Est payment: $1,453.95

Fees in APR: $2,068

Thank you for your quote.

NMLS # 3277

4.490%

1/22/2019

4.490%

at 0.000 pts
30 day lock rate

Est payment: $1,518.27

Fees in APR: None

Thanks for the inquiry!

NMLS # 181005
(844) 365 - 0619

4.653%

1/22/2019

4.625%

at 0.000 pts
45 day lock rate

Est payment: $1,542.42

Fees in APR: $974

Thanks for the inquiry!

4.875%

1/22/2019

4.875%

at 0.000 pts
30 day lock rate

Est payment: $1,587.62

Fees in APR: None

Thanks for the inquiry!

NMLS # 472433

4.394%

1/22/2019

4.375%

at 0.000 pts
30 day lock rate

Est payment: $1,497.86

Fees in APR: $675

No Points No Games No Surprises! No Closing Cost Options!

NMLS # 53112

4.460%

1/22/2019

4.460%

at 0.000 pts
30 day lock rate

Est payment: $1,512.93

Fees in APR: None

Thanks for the inquiry!

NMLS # 403501

4.500%

1/22/2019

4.500%

at 0.000 pts
30 day lock rate

Est payment: $1,520.06

Fees in APR: None

NMLS # 66247
State Lic # MLD236
(877) 388 - 9832

4.269%

1/22/2019

4.240%

at 0.000 pts
30 day lock rate

Est payment: $1,474.06

Fees in APR: $1,049

Thank you for your inquiry, we will be in touch shortly.

NMLS # 237507
(877) 387 - 2804

4.250%

1/22/2019

4.250%

at 0.000 pts
30 day lock rate

Est payment: $1,475.82

Fees in APR: None

4.571%

1/22/2019

4.375%

at 1.100 pts
30 day lock rate

Est payment: $1,497.86

Fees in APR: $3,537

Thanks for the inquiry!

NMLS # 66247
State Lic # MLD236
(877) 388 - 9832

4.045%

1/22/2019

3.865%

at 1.100 pts
30 day lock rate

Est payment: $1,409.00

Fees in APR: $3,167

Thank you for your inquiry, we will be in touch shortly.

NMLS # 541760

9.490%

1/22/2019

9.125%

at 1.100 pts
45 day lock rate

Est payment: $2,440.90

Fees in APR: $6,162

Thank you for your inquiry! We look forward to working with you.

NMLS # 53112

9.444%

1/22/2019

9.125%

at 1.100 pts
30 day lock rate

Est payment: $2,440.90

Fees in APR: $4,993

Thanks for the inquiry!

BMO Harris Bank, NA

4.738%

1/18/2019

4.625%

at 1.000 pts
60 day lock rate

Est payment: $1,542.42

Fees in APR: $914

First Merchants Bank

4.526%

1/21/2019

4.500%

at 0.000 pts
30 day lock rate

Est payment: $1,520.06

Fees in APR: $905

United Bank

4.741%

1/16/2019

4.625%

at 1.000 pts
30 day lock rate

Est payment: $1,542.42

Fees in APR: $995

Raymond James Bank, NA

4.788%

1/22/2019

4.750%

at 0.000 pts
45 day lock rate

Est payment: $1,564.94

Fees in APR: $1,299

Bank of Oak Ridge

4.420%

1/17/2019

4.375%

at 0.250 pts
60 day lock rate

Est payment: $1,497.86

Fees in APR: $853

TD Bank, NA

4.530%

1/22/2019

4.500%

at 0.000 pts
45 day lock rate

Est payment: $1,520.06

Fees in APR: $1,043

Suncoast Credit Union

4.399%

1/22/2019

4.375%

at 0.000 pts
45 day lock rate

Est payment: $1,497.86

Fees in APR: $850

LincolnWay Community Bank

4.406%

1/22/2019

4.375%

at 0.000 pts
30 day lock rate

Est payment: $1,497.86

Fees in APR: $1,085

Santander Bank, N.A.

4.683%

1/22/2019

4.625%

at 0.000 pts
60 day lock rate

Est payment: $1,542.42

Fees in APR: $2,004

Grow Financial FCU

4.697%

1/22/2019

4.625%

at 0.500 pts
30 day lock rate

Est payment: $1,542.42

Fees in APR: $1,004

Many lenders have different rates on their own Websites than those posted on Bankrate.com. In order to get the Bankrate.com rate, please identify yourself as a Bankrate.com customer. If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you by the lender you choose, please click here.

The rates above were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. Rate/APR and terms may vary based on the creditworthiness of the individual and the extent to which the loan differs from the one used for Bankrate.com quotes. For criteria used in surveys of rates above, click here. These quotes are from banks, thrifts, and brokers, some of whom have paid for a link to their own Web site, where you can find additional information.

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.

Florida Rates & Resources

Florida Savings Rates
Florida CD Rates

Florida Mortgage Rates January 2019

Florida Mortgage Rates - Refinance Rates:

Florida Conforming Mortgage Rates

Florida Super Conforming Home Loan Rates

Florida Jumbo Loan Interest Rates

Florida Fixed Rate Mortgages

Florida Adjustable Interest Rates

Florida Interest Only Home Mortgage Rates

Florida FHA Mortgage Mortgage Rates

Florida Rates & Resources

Cities in Florida

Alachua

Alford

Altamonte Springs

Altha

Altoona

Alturas

Alva

Anna Maria

Anthony

Apalachicola

Apollo Beach

Apopka

Arcadia

Archer

Argyle

Aripeka

Astatula

Astor

Atlantic Beach

Auburndale

Avon Park

Babson Park

Bagdad

Baker

Balm

Barberville

Bartow

Bascom

Bay Pines

Bell

Belle Glade

Belleair Beach

Belleview

Beverly Hills

Big Pine Key

Blountstown

Boca Grande

Boca Raton

Bokeelia

Bonifay

Bonita Springs

Bostwick

Bowling Green

Boynton Beach

Bradenton

Bradenton Beach

Bradley

Brandon

Branford

Bristol

Bronson

Brooker

Brooksville

Bryant

Bryceville

Bunnell

Bushnell

Callahan

Campbellton

Canal Point

Candler

Cantonment

Cape Canaveral

Cape Coral

Captiva

Carrabelle

Caryville

Cassadaga

Casselberry