Miami, FL Mortgage Rates and Refinance Rates

Miami, Florida Mortgage Rates - Refinance Rates:

Search and compare mortgage rates and refinance rates in Miami, FL. Our rate table has a list of Miami, 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 Miami, FL you need to first have an understanding of the types of mortgages available and their corresponding interest rates. Types of rates available in Miami, FL 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 Miami, FL 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
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
200000
Refinance
4.451
4.365
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MLD236
at 0.100 pts
30 day lock rate
Est payment: $997.39
Fees in APR: $1,814
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from First Mortgage Direct
First Mortgage Direct
https://www.brimg.net/system/img/inst/10212_logo.gif
200000
Refinance
4.775
4.625
USD
First Mortgage Direct Logo
NMLS # 244476
State Lic # MLD1331
at 1.000 pts
30 day lock rate
Est payment: $1,028.28
Fees in APR: $1,458
 
 
30 yr fixed Mortgage Loan from Lenda, Inc.
Lenda, Inc.
https://www.brimg.net/system/img/inst/8792_logo.gif
200000
Refinance
4.555
4.500
USD
Lenda, Inc. Logo
at 0.100 pts
30 day lock rate
Est payment: $1,013.37
Fees in APR: $1,088
All online. No annoying phone calls. No paper. No hassles. 
 
30 yr fixed Mortgage Loan from Home Point Financial
Home Point Financial
https://www.brimg.net/system/img/inst/9463_logo.gif
200000
Refinance
4.583
4.500
USD
Home Point Financial Logo
NMLS # 7706
at 0.972 pts
30 day lock rate
Est payment: $1,013.37
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Vankeef Financial LLC
Vankeef Financial LLC
https://www.brimg.net/system/img/inst/9295_logo.gif
200000
Refinance
4.593
4.500
USD
Vankeef Financial LLC Logo
NMLS # 119517
at 0.100 pts
45 day lock rate
Est payment: $1,013.37
Fees in APR: $1,955
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from Gateway Capital Mortgage Inc
Gateway Capital Mortgage Inc
https://www.brimg.net/system/img/inst/10033_logo.gif
200000
Refinance
4.504
4.375
USD
Gateway Capital Mortgage Inc Logo
NMLS # 246585
State Lic # MLD563
at 0.100 pts
30 day lock rate
Est payment: $998.57
Fees in APR: $2,822
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
200000
Refinance
4.662
4.625
USD
eRates Mortgage Logo
NMLS # 1071
State Lic # MLD1247
at 0.100 pts
30 day lock rate
Est payment: $1,028.28
Fees in APR: $656
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from Capital Bank N.A.
Capital Bank N.A.
https://www.brimg.net/system/img/inst/8589_logo.gif
200000
Refinance
4.726
4.625
USD
Capital Bank N.A. Logo
at 0.100 pts
30 day lock rate
Est payment: $1,028.28
Fees in APR: $2,126
 
 
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
200000
Refinance
4.583
4.375
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
at 1.000 pts
30 day lock rate
Est payment: $998.57
Fees in APR: $2,818
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
200000
Refinance
4.739
4.625
USD
Flagstar Bank Logo
at 0.100 pts
30 day lock rate
Est payment: $1,028.28
Fees in APR: $2,431
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from AimLoan.com
AimLoan.com
https://www.brimg.net/system/img/inst/1739_logo.gif
200000
Refinance
4.459
4.375
USD
AimLoan.com Logo
NMLS # 2890
State Lic # ML-0700791
at 0.100 pts
30 day lock rate
Est payment: $998.57
Fees in APR: $1,781
 
 
30 yr fixed Mortgage Loan from McGlone Mortgage Group
McGlone Mortgage Group
https://www.brimg.net/system/img/inst/2125_logo.gif
200000
Refinance
4.636
4.625
USD
McGlone Mortgage Group Logo
NMLS # 3232
State Lic # MLDB3972
(877) 475-4039
at 0.000 pts
40 day lock rate
Est payment: $1,028.28
Fees in APR: $245
 
 
30 yr fixed Mortgage Loan from Better Mortgage Inc
Better Mortgage Inc
https://www.brimg.net/system/img/inst/9722_logo.gif
200000
Refinance
4.564
4.500
USD
at 0.000 pts
30 day lock rate
Est payment: $1,013.37
Fees in APR: $1,500
Thank you for your quote. 
 
30 yr fixed Mortgage Loan from JG Wentworth Home Lending
JG Wentworth Home Lending
https://www.brimg.net/system/img/inst/10054_logo.gif
200000
Refinance
4.763
4.750
USD
JG Wentworth Home Lending Logo
NMLS # 2925
State Lic # MLD157
(877) 437-3841
at 0.000 pts
45 day lock rate
Est payment: $1,043.29
Fees in APR: $299
 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
200000
Refinance
5.038
5.000
USD
Ally Bank Logo
NMLS # 181005
at 0.000 pts
60 day lock rate
Est payment: $1,073.64
Fees in APR: $865
 
 
30 yr fixed Mortgage Loan from First Mortgage Direct
First Mortgage Direct
https://www.brimg.net/system/img/inst/10212_logo.gif
200000
Refinance
4.750
4.750
USD
First Mortgage Direct Logo
NMLS # 244476
State Lic # MLD1331
at 0.000 pts
30 day lock rate
Est payment: $1,043.29
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from BNC National Bank
BNC National Bank
https://www.brimg.net/system/img/inst/7067_logo.gif
200000
Refinance
4.547
4.500
USD
BNC National Bank Logo
at 0.000 pts
30 day lock rate
Est payment: $1,013.37
Fees in APR: $1,095
 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
200000
Refinance
4.895
4.875
USD
Flagstar Bank Logo
at 0.000 pts
30 day lock rate
Est payment: $1,058.42
Fees in APR: $453
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Interstate Home Loan Center, Inc.
Interstate Home Loan Center, Inc.
https://www.brimg.net/system/img/inst/10408_logo.gif
200000
Refinance
4.751
4.750
USD
Interstate Home Loan Center, Inc. Logo
at 0.000 pts
30 day lock rate
Est payment: $1,043.29
Fees in APR: $27
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Lenda, Inc.
Lenda, Inc.
https://www.brimg.net/system/img/inst/8792_logo.gif
200000
Refinance
4.639
4.625
USD
Lenda, Inc. Logo
at 0.000 pts
30 day lock rate
Est payment: $1,028.28
Fees in APR: $330
All online. No annoying phone calls. No paper. No hassles. 
 
30 yr fixed Mortgage Loan from Gateway Capital Mortgage Inc
Gateway Capital Mortgage Inc
https://www.brimg.net/system/img/inst/10033_logo.gif
200000
Refinance
4.625
4.625
USD
Gateway Capital Mortgage Inc Logo
NMLS # 246585
State Lic # MLD563
at 0.000 pts
30 day lock rate
Est payment: $1,028.28
Fees in APR: None
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Ownium
Ownium
https://www.brimg.net/system/img/inst/10225_logo.gif
200000
Refinance
4.625
4.625
USD
Ownium Logo
NMLS # 121455
at 0.000 pts
30 day lock rate
Est payment: $1,028.28
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
200000
Refinance
4.585
4.500
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
at 0.000 pts
30 day lock rate
Est payment: $1,013.37
Fees in APR: $1,968
 
30 yr fixed Mortgage Loan from Capital Bank N.A.
Capital Bank N.A.
https://www.brimg.net/system/img/inst/8589_logo.gif
200000
Refinance
4.896
4.875
USD
Capital Bank N.A. Logo
at 0.000 pts
30 day lock rate
Est payment: $1,058.42
Fees in APR: $486
 
 
30 yr fixed Mortgage Loan from AimLoan.com
AimLoan.com
https://www.brimg.net/system/img/inst/1739_logo.gif
200000
Refinance
4.535
4.500
USD
AimLoan.com Logo
NMLS # 2890
State Lic # ML-0700791
at 0.000 pts
30 day lock rate
Est payment: $1,013.37
Fees in APR: $819
 
 
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
200000
Refinance
4.750
4.750
USD
eRates Mortgage Logo
NMLS # 1071
State Lic # MLD1247
at 0.000 pts
30 day lock rate
Est payment: $1,043.29
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from Vankeef Financial LLC
Vankeef Financial LLC
https://www.brimg.net/system/img/inst/9295_logo.gif
200000
Refinance
4.750
4.750
USD
Vankeef Financial LLC Logo
NMLS # 119517
at 0.000 pts
45 day lock rate
Est payment: $1,043.29
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
200000
Refinance
4.527
4.490
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MLD236
at 0.000 pts
30 day lock rate
Est payment: $1,012.18
Fees in APR: $868
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from HomePlus Mortgage
HomePlus Mortgage
https://www.brimg.net/system/img/inst/7834_logo.gif
200000
Refinance
4.514
4.500
USD
HomePlus Mortgage Logo
at 0.000 pts
30 day lock rate
Est payment: $1,013.37
Fees in APR: $317
Thank you for your inquiry. 
 
30 yr fixed Mortgage Loan from Home Point Financial
Home Point Financial
https://www.brimg.net/system/img/inst/9463_logo.gif
200000
Refinance
4.750
4.750
USD
Home Point Financial Logo
NMLS # 7706
at 0.000 pts
30 day lock rate
Est payment: $1,043.29
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Republic Bank
Republic Bank
https://www.brimg.net/system/img/inst/2248_logo.gif
200000
Refinance
4.789
4.750
USD
Republic Bank Logo
NMLS # 402606
at 0.000 pts
45 day lock rate
Est payment: $1,043.29
Fees in APR: $895
 
 
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
200000
Refinance
4.526
4.375
USD
eRates Mortgage Logo
NMLS # 1071
State Lic # MLD1247
at 1.100 pts
30 day lock rate
Est payment: $998.57
Fees in APR: $1,312
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
200000
Refinance
4.313
4.115
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MLD236
at 1.100 pts
30 day lock rate
Est payment: $968.14
Fees in APR: $2,462
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
200000
Refinance
4.552
4.125
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
at 2.000 pts
30 day lock rate
Est payment: $969.30
Fees in APR: $5,865
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
200000
Refinance
4.594
4.375
USD
Flagstar Bank Logo
at 1.100 pts
30 day lock rate
Est payment: $998.57
Fees in APR: $2,877
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Lenda, Inc.
Lenda, Inc.
https://www.brimg.net/system/img/inst/8792_logo.gif
200000
Refinance
4.424
4.250
USD
Lenda, Inc. Logo
at 1.100 pts
30 day lock rate
Est payment: $983.88
Fees in APR: $1,880
All online. No annoying phone calls. No paper. No hassles. 
 
30 yr fixed Mortgage Loan from Vankeef Financial LLC
Vankeef Financial LLC
https://www.brimg.net/system/img/inst/9295_logo.gif
200000
Refinance
4.532
4.375
USD
Vankeef Financial LLC Logo
NMLS # 119517
at 1.100 pts
45 day lock rate
Est payment: $998.57
Fees in APR: $1,455
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from AimLoan.com
AimLoan.com
https://www.brimg.net/system/img/inst/1739_logo.gif
200000
Refinance
4.331
4.125
USD
AimLoan.com Logo
NMLS # 2890
State Lic # ML-0700791
at 1.100 pts
30 day lock rate
Est payment: $969.30
Fees in APR: $2,645
 
 
30 yr fixed mtg refi Mortgage Loan from Grow Financial FCU
Grow Financial FCU
200000
Refinance
4.794
4.750
USD
Grow Financial FCU
4.794%
5/15/2018
4.750%
at 0.000 pts
30 day lock rate
Est payment: $1,043.29
Fees in APR: $1,004
 
 
30 yr fixed mtg refi Mortgage Loan from Raymond James Bank, NA
Raymond James Bank, NA
200000
Refinance
4.932
4.875
USD
Raymond James Bank, NA
4.932%
5/15/2018
4.875%
at 0.000 pts
45 day lock rate
Est payment: $1,058.42
Fees in APR: $1,299
 
 
30 yr fixed mtg refi Mortgage Loan from First Merchants Bank
First Merchants Bank
200000
Refinance
4.664
4.625
USD
First Merchants Bank
4.664%
5/14/2018
4.625%
at 0.000 pts
30 day lock rate
Est payment: $1,028.28
Fees in APR: $905
 
 
30 yr fixed mtg refi Mortgage Loan from BMO Harris Bank, NA
BMO Harris Bank, NA
200000
Refinance
4.658
4.500
USD
BMO Harris Bank, NA
4.658%
5/11/2018
4.500%
at 1.375 pts
60 day lock rate
Est payment: $1,013.37
Fees in APR: $914
 
 
30 yr fixed mtg refi Mortgage Loan from Suncoast Credit Union
Suncoast Credit Union
200000
Refinance
4.705
4.625
USD
Suncoast Credit Union
4.705%
5/15/2018
4.625%
at 0.500 pts
45 day lock rate
Est payment: $1,028.28
Fees in APR: $850
 
 
30 yr fixed mtg refi Mortgage Loan from TD Bank, NA
TD Bank, NA
200000
Refinance
4.681
4.625
USD
TD Bank, NA
4.681%
5/15/2018
4.625%
at 0.125 pts
45 day lock rate
Est payment: $1,028.28
Fees in APR: $1,043
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of Oak Ridge
Bank of Oak Ridge
200000
Refinance
4.809
4.750
USD
Bank of Oak Ridge
4.809%
5/17/2018
4.750%
at 0.250 pts
60 day lock rate
Est payment: $1,043.29
Fees in APR: $853
 
 
30 yr fixed mtg refi Mortgage Loan from United Bank
United Bank
200000
Refinance
4.755
4.625
USD
United Bank
4.755%
5/16/2018
4.625%
at 1.000 pts
30 day lock rate
Est payment: $1,028.28
Fees in APR: $995
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
200000
Refinance
4.672
4.625
USD
LincolnWay Community Bank
4.672%
5/15/2018
4.625%
at 0.000 pts
30 day lock rate
Est payment: $1,028.28
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from Santander Bank, N.A.
Santander Bank, N.A.
200000
Refinance
5.079
4.990
USD
Santander Bank, N.A.
5.079%
5/18/2018
4.990%
at 0.000 pts
60 day lock rate
Est payment: $1,072.42
Fees in APR: $2,004
 
 

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.





Miami, FL 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.

Miami, FL 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 Miami, FL mortgage loans that have been made. As a result, Miami, FL mortgage rates today are lower than jumbo interest rates in Miami, FL. Conforming mortgages and jumbo mortgages are available in terms of 40 years, 30 years, 25 years, 20 years, 15 years and 10 years.

Miami, FL Super Conforming Home Loan Rates

Super conforming mortgages in Miami, FL 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.

Miami, FL Jumbo Loan Interest Rates

Miami, FL 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 Miami, FL are usually 0.75 basis points higher than conforming mortgage rates in Miami, FL because there is no guarantee banks and credit unions can sell these mortgages after they make the loans.

Miami, FL Fixed Rate Mortgages

Fixed rate mortgages are the most common mortgage available in Miami, FL. 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.

Miami, FL Adjustable Interest Rates

Miami, FL 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.

Miami, FL Interest Only Home Mortgage Rates

Miami, FL 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.

Miami, FL FHA Mortgage Mortgage Rates

Borrowers in Miami, FL must meet certain requirements established by FHA to qualify for a mortgage insured by the FHA. FHA mortgage interest rates in Miami, FL 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 Miami, FL Rates & Resources