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Florida Mortgage Rates September 2020Florida 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
 NMLS # 1799947
09/28/2020
Beeline is the shortest possible path to a new home or an effortless refi.
NMLS # 1799947
09/28/2020
Beeline is the shortest possible path to a new home or an effortless refi.
 NMLS # 1717824
09/28/2020
Put your money where you need it sooner.
NMLS # 1717824
09/28/2020
Put your money where you need it sooner.
 NMLS # 1039147
09/28/2020
Experience the Securitas difference!
 NMLS # 3030
09/28/2020
The Better Business Bureau gives Quicken Loans and A+ for customer service.
 NMLS # 3030
09/28/2020
From the lender: We can close your loan in less than a month!
NMLS # 3030
09/28/2020
From the lender: We can close your loan in less than a month!
 NMLS # 1907
09/28/2020
Check out our more than 140,000+ reviews from Veterans nationwide at https://www.veteransunited.com/reviews
 NMLS # 1717824
09/28/2020
Apply online in minutes and close in days, not months.
 NMLS # 1168
09/28/2020
Get a Mortgage Rate Quote Fast
NMLS # 1799947
09/28/2020
Beeline is the shortest possible path to a new home or an effortless refi.
NMLS # 1039147
09/28/2020
Experience the Securitas difference!
NMLS # 3030
09/28/2020
From the lender: We can close your loan in less than a month!
 NMLS # 449401
09/28/2020
Check out our $295 closing cost option. We pay all other costs. No app fee!
NMLS # 1717824
09/28/2020
Put your money where you need it sooner.
 NMLS # 169748 State Lic # MBR 1313
09/28/2020
We are a BBB A+ Rates Business with over 15,000 Satisfied Customers!
NMLS # 1799947
09/28/2020
Beeline is the shortest possible path to a new home or an effortless refi.
NMLS # 1039147
09/28/2020
Experience the Securitas difference!
NMLS # 169748 State Lic # MBR 1313
09/28/2020
We are a BBB A+ Rates Business with over 15,000 Satisfied Customers!
NMLS # 449401
09/28/2020
Check out our $295 closing cost option. We pay all other costs. No app fee!
NMLS # 1717824
09/28/2020
Put your money where you need it sooner.
NMLS # 1799947
09/28/2020
Beeline is the shortest possible path to a new home or an effortless refi.
NMLS # 1039147
09/28/2020
Experience the Securitas difference!
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 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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 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