Florida Mortgage Rates and Refinance Rates

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
 
Northpointe Bank Logo
at 0.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $1,962
Thank you for your inquiry! 
 
Sebonic Financial Logo
NMLS # 66247
State Lic # MLD236
(877) 407-3813
at 0.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $1,464
Thank you for your inquiry, we will be in touch shortly. 
 
First Mortgage Direct Logo
NMLS # 244476
State Lic # MLD1331
at 1.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $361
 
 
e-Lend Logo
NMLS # 2826
State Lic # MLD62
(877) 410-5082
at 1.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $1,378
 
 
E-Click Lending Logo
NMLS # 1256692
State Lic # MLDB4367
(877) 275-4211
at 1.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $2,147
 
 
Sindeo, Inc. Logo
NMLS # 1138066
State Lic # MLD1320
(877) 730-0181
at 1.000 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $2,300
 
 
eRates Mortgage Logo
NMLS # 1071
State Lic # MLD1247
at 0.100 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $875
Thank you for your inquiry, we will be in touch shortly. 
 
Sol Mortgage Logo
at 0.100 pts
30 day lock rate
Est payment: $896.97
Fees in APR: $2,954
Thanks for the inquiry! 
 
Get A Rate LLC Logo
at 0.252 pts
30 day lock rate
Est payment: $912.10
Fees in APR: None
 
 
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
at 1.000 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $1,500
 
Anchor Home Mortgage, Inc Logo
NMLS # 169063
State Lic # MBR1313
at 0.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $1,373
Thank you for your inquiry, we will be in touch shortly. 
 
at 0.000 pts
45 day lock rate
Est payment: $926.23
Fees in APR: $1,088
Thank you for your quote. 
 
JG Wentworth Home Lending Logo
NMLS # 2925
State Lic # MLD157
(877) 437-3841
at 0.000 pts
45 day lock rate
Est payment: $940.47
Fees in APR: $299
 
 
Ally Bank Logo
NMLS # 181005
at 0.000 pts
60 day lock rate
Est payment: $969.30
Fees in APR: $865
 
 
First Mortgage Direct Logo
NMLS # 244476
State Lic # MLD1331
at 0.000 pts
30 day lock rate
Est payment: $954.83
Fees in APR: None
 
 
at 0.000 pts
45 day lock rate
Est payment: $926.23
Fees in APR: None
 
 
Get A Rate LLC Logo
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: None
 
 
e-Lend Logo
NMLS # 2826
State Lic # MLD62
(877) 410-5082
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: None
 
 
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: None
 
AmCap Funding Corp. Logo
NMLS # 324589
(877) 872-7681
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: None
 
 
FIRST SAVINGS MORTGAGE Logo
NMLS # 689422
State Lic # MLD292
at 0.000 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $1,750
 
 
eRates Mortgage Logo
NMLS # 1071
State Lic # MLD1247
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
 
Sol Mortgage Logo
at 0.000 pts
30 day lock rate
Est payment: $925.10
Fees in APR: None
Thanks for the inquiry! 
 
Sebonic Financial Logo
NMLS # 66247
State Lic # MLD236
(877) 407-3813
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $416
Thank you for your inquiry, we will be in touch shortly. 
 
E-Click Lending Logo
NMLS # 1256692
State Lic # MLDB4367
(877) 275-4211
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: None
 
 
E-Click Lending Logo
NMLS # 1256692
State Lic # MLDB4367
(877) 275-4211
at 0.000 pts
30 day lock rate
Est payment: $954.83
Fees in APR: None
 
 
Anchor Home Mortgage, Inc Logo
NMLS # 169063
State Lic # MBR1313
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
 
RockBottom Mortgage LLC Logo
NMLS # 1141327
State Lic # MBR1498
at 0.000 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $685
 
Northpointe Bank Logo
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $337
Thank you for your inquiry! 
 
Republic Bank Logo
NMLS # 402606
at 0.000 pts
45 day lock rate
Est payment: $926.23
Fees in APR: $795
 
 
Sindeo, Inc. Logo
NMLS # 1138066
State Lic # MLD1320
(877) 730-0181
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $1,103
 
 
eRates Mortgage Logo
NMLS # 1071
State Lic # MLD1247
at 1.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $875
Thank you for your inquiry, we will be in touch shortly. 
 
Sebonic Financial Logo
NMLS # 66247
State Lic # MLD236
(877) 407-3813
at 1.100 pts
30 day lock rate
Est payment: $884.19
Fees in APR: $2,474
Thank you for your inquiry, we will be in touch shortly. 
 
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
at 2.000 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $2,856
 
Sol Mortgage Logo
at 1.100 pts
30 day lock rate
Est payment: $884.19
Fees in APR: $2,702
Thanks for the inquiry! 
 
E-Click Lending Logo
NMLS # 1256692
State Lic # MLDB4367
(877) 275-4211
at 2.000 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $3,932
 
 
Anchor Home Mortgage, Inc Logo
NMLS # 169063
State Lic # MBR1313
at 1.100 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $573
Thank you for your inquiry, we will be in touch shortly. 
 
First Internet Bank Logo
NMLS # 424182
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $423
Thank you for your inquiry! 
 
First Internet Bank Logo
NMLS # 424182
at 0.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $2,488
Thank you for your inquiry! 
 
VyStar Credit Union Logo
4.264%
12/12/2017
4.250%
at 0.125 pts
30 day lock rate
Est payment: $983.88
Fees in APR: $79
 
 
Grow Financial FCU
4.042%
12/12/2017
4.000%
at 0.000 pts
30 day lock rate
Est payment: $954.83
Fees in APR: $1,004
 
 
Suncoast Credit Union
3.952%
12/12/2017
3.875%
at 0.500 pts
45 day lock rate
Est payment: $940.47
Fees in APR: $850
 
 
First Merchants Bank
4.038%
12/11/2017
4.000%
at 0.000 pts
30 day lock rate
Est payment: $954.83
Fees in APR: $905
 
 
Raymond James Bank, NA
4.305%
12/12/2017
4.250%
at 0.000 pts
45 day lock rate
Est payment: $983.88
Fees in APR: $1,299
 
 
Santander Bank, N.A.
4.209%
12/15/2017
4.125%
at 0.000 pts
60 day lock rate
Est payment: $969.30
Fees in APR: $2,004
 
 
BMO Harris Bank, NA
4.028%
12/15/2017
3.875%
at 1.375 pts
60 day lock rate
Est payment: $940.47
Fees in APR: $914
 
 
Regions Bank
4.290%
12/15/2017
4.250%
at 0.000 pts
45 day lock rate
Est payment: $983.88
Fees in APR: $950
 
 
Bank of Oak Ridge
4.117%
12/14/2017
4.060%
at 0.250 pts
60 day lock rate
Est payment: $961.76
Fees in APR: $853
 
 
United Bank
4.115%
12/13/2017
3.990%
at 1.000 pts
30 day lock rate
Est payment: $953.68
Fees in APR: $995
 
 
LincolnWay Community Bank
3.920%
12/12/2017
3.875%
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $1,085
 
 

Mortage Data Provided by Bankrate.com 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.


Google Map for 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

Cedar Key

Center Hill

Century

Chattahoochee

Chiefland

Chipley

Chokoloskee

Christmas

Citra

Citrus Ridge

Clarcona

Clarksville

Clearwater

Clearwater Beach

Clermont

Clewiston

Cocoa

Cocoa Beach

Coleman

Copeland

Cortez

Cottondale

Crawfordville

Crescent City

Crestview

Cross City

Crystal Beach

Crystal River

Crystal Springs

Cypress

Dade City

Dania

Davenport

Day

Daytona Beach

De Leon Springs

Debary

Deerfield Beach

Defuniak Springs

Deland

Delray Beach

Deltona

Destin

Doctors Inlet

Dover

Dundee

Dunedin

Dunnellon

Durant

Eagle Lake

Earleton

East Palatka

Eastlake Weir

Eastpoint

Eaton Park

Ebro

Edgewater

Eglin AFB

Elfers

Elkton

Ellenton

Englewood

Estero

Eustis

Everglades City

Evinston

Fairfield

Fedhaven

Felda

Fellsmere

Fernandina Beach

Ferndale

Flagler Beach

Florahome

Floral City

Florida City

Fort Lauderdale

Fort McCoy

Fort Meade

Fort Myers

Fort Myers Beach

Fort Ogden

Fort Pierce

Fort Walton Beach

Fort White

Fountain

Freeport

Frostproof

Fruitland Park

Gainesville

Geneva

Georgetown

Gibsonton

Glen Saint Mary

Glenwood

Goldenrod

Gonzalez

Goodland

Gotha

Graceville

Graham

Grand Island

Grand Ridge

Grandin

Grant

Green Cove Springs

Greensboro

Greenville

Greenwood

Gretna

Grove City

Groveland

Gulf Breeze

Gulf Hammock

Haines City

Hallandale

Hampton

Harold

Hastings

Havana

Hawthorne

Heathrow

Hernando

Hialeah

High Springs

Highland City

Highland Park

Hilliard

Hobe Sound

Holder

Holiday

Hollister

Hollywood

Holmes Beach

Holt

Homeland

Homestead

Homosassa

Homosassa Springs

Horseshoe Beach

Hosford

Howey In The Hills

Hudson

Hunters Creek

Hurlburt Field

Immokalee

Indialantic

Indian Lake Estates

Indian Rocks Beach

Indiantown

Inglis

Intercession City

Interlachen

Inverness

Islamorada

Island Grove

Istachatta

Jacksonville

Jacksonville Beach

Jasper

Jay

Jennings

Jensen Beach

Jupiter

Kathleen

Kenansville

Key Biscayne

Key Colony Beach

Key Largo

Key West

Keystone Heights

Killarney

Kinard

Kissimmee

La Crosse

Labelle

Lacoochee

Lady Lake

Lake Alfred

Lake Butler

Lake Butter

Lake City

Lake Como

Lake Geneva

Lake Hamilton

Lake Harbor

Lake Helen

Lake Lucerne

Lake Mary

Lake Monroe

Lake Panasoffkee

Lake Placid

Lake Wales

Lake Worth

Lakeland

Lamont

Lanark Village

Land O Lakes

Lantana

Largo

Laurel

Laurel Hill

Lawtey

Lecanto

Lee

Leesburg

Lehigh Acres

Lithia

Live Oak

Lloyd

Lochloosa

Long Key

Longboat Key

Longwood

Lorida

Loughman

Lowell

Loxahatchee

Lulu

Lutz

Lynn Haven

Macclenny

Madison

Maitland

Malabar

Malone

Manasota

Mango

Marathon

Marathon Shores

Marco Island

Marianna

Mary Esther

Mascotte

Mayo

McAlpin

McDavid

McIntosh

Melbourne

Melbourne Beach

Melrose

Memphis

Merritt Island

Mexico Beach

Miami

Miami Beach

Micanopy

Miccosukee Cpo

Mid Florida

Middleburg

Midway

Milligan

Milton

Mims

Minneola

Miramar Beach

Molino

Monticello

Montverde

Moore Haven

Morriston

Mossy Head

Mount Dora

Mount Pleasant

Mulberry

Murdock

Myakka City

Myrtle Grove

Nalcrest

Naples

Neptune Beach

New Port Richey

New Smyrna Beach

Newberry

Niceville

Nichols

Nobleton

Nocatee

Nokomis

Noma

North Fort Myers

North Miami Beach

North Palm Beach

North Port

O Brien

Oak Hill

Oakland

Ocala

Ochopee

Ocklawaha

Ocoee

Odessa

Okahumpka

Okeechobee

Old Town

Oldsmar

Olustee

Ona

Oneco

Opa Locka

Orange City

Orange Lake

Orange Park

Orange Springs

Orlando

Ormond Beach

Osprey

Osteen

Otter Creek

Oviedo

Oxford

Ozona

Pahokee

Paisley

Palatka

Palm Bay

Palm Beach

Palm City

Palm Coast

Palm Harbor

Palm River-Clair Mel

Palm Valley

Palmdale

Palmetto

Panacea

Panama City

Panama City Beach

Parrish

Patrick AFB

Paxton

Pembroke Pines

Penney Farms

Pensacola

Perry

Pierson

Pine Island Ridge

Pine Ridge

Pineland

Pinellas Park

Pinetta

Placida

Plant City

Plymouth

Point Washington

Polk City

Pomona Park

Pompano Beach

Ponce De Leon

Ponte Vedra Beach

Port Charlotte

Port Orange

Port Richey

Port Saint Joe

Port Saint Lucie

Port Salerno

Port St. Lucie

Punta Gorda

Putnam Hall

Quincy

Raiford

Reddick

River Ranch

Riverview

Rockledge

Roseland

Rotonda West

Ruskin

Safety Harbor

Saint Augustine

Saint Cloud

Saint James City

Saint Leo

Saint Marks

Saint Petersburg

Salem

San Antonio

San Mateo

Sanderson

Sanford

Sanibel

Santa Rosa Beach

Sarasota

Satellite Beach

Satsuma

Scottsmoor

Sebastian

Sebring

Seffner

Seminole

Seville

Shady Grove

Shalimar

Sharpes

Silver Springs

Sneads

Sopchoppy

Sorrento

South Bay

Sparr

Spring Hill

St. Augustine

St. Leo

Starke

Steinhatchee

Stuart

Sugarloaf Shores

Sumatra

Summerfield

Summerland Key

Sumterville

Sun City

Sun City Center

Sunnyside

Suwannee

Sydney

Tallahassee

Tallevast

Tampa

Tangerine

Tarpon Springs

Tavares

Tavernier

Telogia

Terra Ceia

The Villages

Thonotosassa

Titusville

Trenton

Trilby

Umatilla

Valparaiso

Valrico

Vanderbilt Beach

Venice

Venus

Vernon

Vero Beach

Wabasso

Wacissa

Wakulla Springs

Waldo

Wauchula

Wausau

Waverly

Webster

Weirsdale

Welaka

Wellborn

West Little River

West Palm Beach

Weston

Westville

Wewahitchka

White Springs

Wildwood

Williston

Wimauma

Windermere

Winter Beach

Winter Garden

Winter Haven

Winter Park

Winter Springs

Woodville

Worthington Springs

Yalaha

Yankeetown

Youngstown

Yulee

Zellwood

Zephyrhills

Zolfo Springs