|
Florida Mortgage Rates and Refinance RatesFlorida 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.
Lender
APR
Rate
Cost & Fees
Notes
Thanks for the inquiry!
Thank you for your inquiry, we will be in touch shortly.
Thank you for your inquiry, we will be in touch shortly.
 NMLS # 541760
Thank you for your inquiry! We look forward to working with you.
 NMLS # 472433
(877) 591-8350 
Thank you for your inquiry, we will be in touch shortly.
 NMLS # 403501
Thanks for the inquiry!
Thanks for the inquiry!
 NMLS # 330511
Thank you for your quote.
 NMLS # 1023
Thanks for the inquiry!
Thanks for the inquiry!
Thanks for the inquiry!
NMLS # 472433
(877) 591-8350
Thank you for your inquiry, we will be in touch shortly.
NMLS # 403501
Thank you for your inquiry, we will be in touch shortly.
Thank you for your inquiry, we will be in touch shortly.
Thanks for the inquiry!
Watermark Home Loans is a BBB A+ rated Direct Lender.
Thank you for your inquiry, we will be in touch shortly.
Thank you for your inquiry, we will be in touch shortly.
NMLS # 472433
(877) 591-8350
Thanks for the inquiry!
Thank you for your inquiry, we will be in touch shortly.
Thanks for the inquiry!
NMLS # 541760
Thank you for your inquiry! We look forward to working with you.
Grow Financial FCU
5.029%
10/16/2018
5.000%
at 0.000 pts
30 day lock rate Est payment: $1,610.46
Fees in APR: $1,004
Suncoast Credit Union
4.944%
10/16/2018
4.875%
at 0.500 pts
45 day lock rate Est payment: $1,587.62
Fees in APR: $850
First Merchants Bank
4.901%
10/15/2018
4.875%
at 0.000 pts
30 day lock rate Est payment: $1,587.62
Fees in APR: $905
LincolnWay Community Bank
4.907%
10/16/2018
4.875%
at 0.000 pts
30 day lock rate Est payment: $1,587.62
Fees in APR: $1,085
Raymond James Bank, NA
5.163%
10/16/2018
5.125%
at 0.000 pts
45 day lock rate Est payment: $1,633.46
Fees in APR: $1,299
Bank of Oak Ridge
5.048%
10/18/2018
4.990%
at 0.375 pts
60 day lock rate Est payment: $1,608.63
Fees in APR: $853
BMO Harris Bank, NA
5.138%
10/19/2018
5.000%
at 1.250 pts
60 day lock rate Est payment: $1,610.46
Fees in APR: $914
Santander Bank, N.A.
5.184%
10/19/2018
5.125%
at 0.000 pts
60 day lock rate Est payment: $1,633.46
Fees in APR: $2,004
United Bank
5.118%
10/17/2018
5.000%
at 1.000 pts
30 day lock rate Est payment: $1,610.46
Fees in APR: $995
TD Bank, NA
4.802%
10/16/2018
4.750%
at 0.250 pts
45 day lock rate Est payment: $1,564.94
Fees in APR: $1,043
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 RatesConforming 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 RatesSuper 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 RatesFlorida 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 MortgagesFixed 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 RatesFlorida 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 RatesFlorida 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 RatesBorrowers 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 FloridaAlachuaAlfordAltamonte SpringsAlthaAltoonaAlturasAlvaAnna MariaAnthonyApalachicolaApollo BeachApopkaArcadiaArcherArgyleAripekaAstatulaAstorAtlantic BeachAuburndaleAvon ParkBabson ParkBagdadBakerBalmBarbervilleBartowBascomBay PinesBellBelle GladeBelleair BeachBelleviewBeverly HillsBig Pine KeyBlountstownBoca GrandeBoca RatonBokeeliaBonifayBonita SpringsBostwickBowling GreenBoynton BeachBradentonBradenton BeachBradleyBrandonBranfordBristolBronsonBrookerBrooksvilleBryantBrycevilleBunnellBushnellCallahanCampbelltonCanal PointCandlerCantonmentCape CanaveralCape CoralCaptivaCarrabelleCaryvilleCassadagaCasselberryCedar KeyCenter HillCenturyChattahoocheeChieflandChipleyChokoloskeeChristmasCitraCitrus RidgeClarconaClarksvilleClearwaterClearwater BeachClermontClewistonCocoaCocoa BeachColemanCopelandCortezCottondaleCrawfordvilleCrescent CityCrestviewCross CityCrystal BeachCrystal RiverCrystal SpringsCypressDade CityDaniaDavenportDayDaytona BeachDe Leon SpringsDebaryDeerfield BeachDefuniak SpringsDelandDelray BeachDeltonaDestinDoctors InletDoverDundeeDunedinDunnellonDurantEagle LakeEarletonEast PalatkaEastlake WeirEastpointEaton ParkEbroEdgewaterEglin AFBElfersElktonEllentonEnglewoodEsteroEustisEverglades CityEvinstonFairfieldFedhavenFeldaFellsmereFernandina BeachFerndaleFlagler BeachFlorahomeFloral CityFlorida CityFort LauderdaleFort McCoyFort MeadeFort MyersFort Myers BeachFort OgdenFort PierceFort Walton BeachFort WhiteFountainFreeportFrostproofFruitland ParkGainesvilleGenevaGeorgetownGibsontonGlen Saint MaryGlenwoodGoldenrodGonzalezGoodlandGothaGracevilleGrahamGrand IslandGrand RidgeGrandinGrantGreen Cove SpringsGreensboroGreenvilleGreenwoodGretnaGrove CityGrovelandGulf BreezeGulf HammockHaines CityHallandaleHamptonHaroldHastingsHavanaHawthorneHeathrowHernandoHialeahHigh SpringsHighland CityHighland ParkHilliardHobe SoundHolderHolidayHollisterHollywoodHolmes BeachHoltHomelandHomesteadHomosassaHomosassa SpringsHorseshoe BeachHosfordHowey In The HillsHudsonHunters CreekHurlburt FieldImmokaleeIndialanticIndian Lake EstatesIndian Rocks BeachIndiantownInglisIntercession CityInterlachenInvernessIslamoradaIsland GroveIstachattaJacksonvilleJacksonville BeachJasperJayJenningsJensen BeachJupiterKathleenKenansvilleKey BiscayneKey Colony BeachKey LargoKey WestKeystone HeightsKillarneyKinardKissimmeeLa CrosseLabelleLacoocheeLady LakeLake AlfredLake ButlerLake ButterLake CityLake ComoLake GenevaLake HamiltonLake HarborLake HelenLake LucerneLake MaryLake MonroeLake PanasoffkeeLake PlacidLake WalesLake WorthLakelandLamontLanark VillageLand O LakesLantanaLargoLaurelLaurel HillLawteyLecantoLeeLeesburgLehigh AcresLithiaLive OakLloydLochloosaLong KeyLongboat KeyLongwoodLoridaLoughmanLowellLoxahatcheeLuluLutzLynn HavenMacclennyMadisonMaitlandMalabarMaloneManasotaMangoMarathonMarathon ShoresMarco IslandMariannaMary EstherMascotteMayoMcAlpinMcDavidMcIntoshMelbourneMelbourne BeachMelroseMemphisMerritt IslandMexico BeachMiamiMiami BeachMicanopyMiccosukee CpoMid FloridaMiddleburgMidwayMilliganMiltonMimsMinneolaMiramar BeachMolinoMonticelloMontverdeMoore HavenMorristonMossy HeadMount DoraMount PleasantMulberryMurdockMyakka CityMyrtle GroveNalcrestNaplesNeptune BeachNew Port RicheyNew Smyrna BeachNewberryNicevilleNicholsNobletonNocateeNokomisNomaNorth Fort MyersNorth Miami BeachNorth Palm BeachNorth PortO BrienOak HillOaklandOcalaOchopeeOcklawahaOcoeeOdessaOkahumpkaOkeechobeeOld TownOldsmarOlusteeOnaOnecoOpa LockaOrange CityOrange LakeOrange ParkOrange SpringsOrlandoOrmond BeachOspreyOsteenOtter CreekOviedoOxfordOzonaPahokeePaisleyPalatkaPalm BayPalm BeachPalm CityPalm CoastPalm HarborPalm River-Clair MelPalm ValleyPalmdalePalmettoPanaceaPanama CityPanama City BeachParrishPatrick AFBPaxtonPembroke PinesPenney FarmsPensacolaPerryPiersonPine Island RidgePine RidgePinelandPinellas ParkPinettaPlacidaPlant CityPlymouthPoint WashingtonPolk CityPomona ParkPompano BeachPonce De LeonPonte Vedra BeachPort CharlottePort OrangePort RicheyPort Saint JoePort Saint LuciePort SalernoPort St. LuciePunta GordaPutnam HallQuincyRaifordReddickRiver RanchRiverviewRockledgeRoselandRotonda WestRuskinSafety HarborSaint AugustineSaint CloudSaint James CitySaint LeoSaint MarksSaint PetersburgSalemSan AntonioSan MateoSandersonSanfordSanibelSanta Rosa BeachSarasotaSatellite BeachSatsumaScottsmoorSebastianSebringSeffnerSeminoleSevilleShady GroveShalimarSharpesSilver SpringsSneadsSopchoppySorrentoSouth BaySparrSpring HillSt. AugustineSt. LeoStarkeSteinhatcheeStuartSugarloaf ShoresSumatraSummerfieldSummerland KeySumtervilleSun CitySun City CenterSunnysideSuwanneeSydneyTallahasseeTallevastTampaTangerineTarpon SpringsTavaresTavernierTelogiaTerra CeiaThe VillagesThonotosassaTitusvilleTrentonTrilbyUmatillaValparaisoValricoVanderbilt BeachVeniceVenusVernonVero BeachWabassoWacissaWakulla SpringsWaldoWauchulaWausauWaverlyWebsterWeirsdaleWelakaWellbornWest Little RiverWest Palm BeachWestonWestvilleWewahitchkaWhite SpringsWildwoodWillistonWimaumaWindermereWinter BeachWinter GardenWinter HavenWinter ParkWinter SpringsWoodvilleWorthington SpringsYalahaYankeetownYoungstownYuleeZellwoodZephyrhillsZolfo Springs |
Recent Mortgage Rate ArticlesLendingHome Mortgage RatesFirst Mortgage Direct 30 Year Mortgage Rates Quoted at 4.50 Percent30 Year Mortgages vs 15 Year MortgagesMortgage Rates Hit New Lows for 2014Mortgage Rates Decline as Fed Continues to TaperMortgage Rates are Stable as Fed Drops Bond and MBS Purchases to $55 Billion a MonthMortgage Rates: Average 30 Year Mortgage Rates Fall to 4.25 percentMortgage Rates Lower Due to Emerging Market Fears and Lower Bond YieldsMortgage Rates Forcasted to Move Higher in 2014 and 2015Mortgage Rates Move Lower Today: Best 15 Year Rates Just Under 3.00%Mortgage CalculatorFL Avg Mortgage Rates |
