Mortgage Rates in FloridaCurrent Florida fixed rate mortgages for a 20-Year Fixed mortgage are at 6.875% with 0.000% point(s), Current Florida fixed rate mortgages for a 20-Year Fixed mortgage are at 6.375% with 0.000% point(s), 20-Year Fixed mortgage rates today with 0.125% point(s) in Florida are at 6.250%. Florida Mortgage 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. Compare mortgage and refinance rates in Florida . Save money by using our free tool to find customized mortgage and refinance rates for Florida (). Use our mortgage calculator to check how much monthly payments will be on your home loan. 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. Mortgage rates on adjustable loans include 10/6 ARM with 0.000% point(s) in Florida at 8.000%, Adjustable rates on 7-Year ARM loans in Florida with 0.301% point(s) are at 6.365%, Adjustable rates on 5-Year ARM loans in Florida with 0.000% point(s) are at 5.875%. Mortgage
APR
30-Year Fixed Conforming
5.73%
15-Year Fixed Conforming
5.53%
30-Year Fixed Jumbo
5.73%
15-Year Fixed Jumbo
5.53%
5/6 ARM Conforming
6.71%
5/6 ARM Jumbo
6.74%
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. Mortgage Rates in Florida June 24, 2025Show More
The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed. Florida Lenders and Mortgage BrokersList your company here at no cost: Are you a lender or mortgage broker in Florida ? Are you interested in having your company, contact information, website and logo listed here? Contact us at to find out how. Florida Real Estate AgentsList your contact information at no cost: Are you a real estate agent agent in Florida ? You can list your company, contact information, website an logo here. Contact us to find out how. 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 $regionName. 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. Other Mortgage Rate Deals
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