Florida Mortgage Rates and Refinance Rates Today
Mortgages in Florida: Find the best Florida mortgage rates today from banks and credit unions. When results are displayed for mortgage rates in Florida, you can easily sort your search results by lender, rate, APR and points so you can easily compare results. Whether you’re looking for conforming, jumbo, adjustable or interest-only mortgage rates in Florida. Another option is searching for Florida refinance rates if you're looking to refinance a loan. Best of all you don't have to provide any personal information to see a list of Florida mortgage rates or refinance rates.
Search and Compare Florida Current Mortgage Rates & Refinance Rates
Mortgage Rates Updated Mon May 27, 2019
30 yr fixed Mortgage Loan from Better.com
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300000
Refinance
3.898
3.875
USD
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30 yr fixed mtg refi Mortgage Loan from Grow Financial FCU
300000
Refinance
4.321
4.250
USD
4.250%
at 0.500 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $1,004
30 yr fixed mtg refi Mortgage Loan from Raymond James Bank, NA
300000
Refinance
4.537
4.500
USD
4.500%
at 0.000 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $1,299
30 yr fixed mtg refi Mortgage Loan from First Merchants Bank
300000
Refinance
4.025
4.000
USD
4.000%
at 0.000 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: $905
30 yr fixed mtg refi Mortgage Loan from Suncoast Credit Union
300000
Refinance
4.191
4.125
USD
4.125%
at 0.500 pts
45 day lock rate
Est payment: $1,453.95
Fees in APR: $850
30 yr fixed mtg refi Mortgage Loan from United Bank
300000
Refinance
4.363
4.250
USD
4.250%
at 1.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $995
30 yr fixed mtg refi Mortgage Loan from BMO Harris Bank, NA
300000
Refinance
4.182
4.125
USD
4.125%
at 0.375 pts
60 day lock rate
Est payment: $1,453.95
Fees in APR: $914
30 yr fixed mtg refi Mortgage Loan from Bank of Oak Ridge
300000
Refinance
4.295
4.250
USD
4.250%
at 0.250 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $853
30 yr fixed mtg refi Mortgage Loan from Santander Bank, N.A.
300000
Refinance
4.306
4.250
USD
4.250%
at 0.000 pts
60 day lock rate
Est payment: $1,475.82
Fees in APR: $2,004
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.030
4.000
USD
LincolnWay Community Bank
4.000%
at 0.000 pts
30 day lock rate
Est payment: $1,432.25
Fees in APR: $1,085
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 and Refinance Rates
Conforming home mortgage rates in Florida are the most popular type of mortgages rates you can find advertised for home buyers in Florida. Conforming mortgages, also known as conventional mortgages, are mortgages that meet certain criteria set out by Federal Housing Finance Agency (FHFA). There is a loan limit set for each county in the United States. Higher mortgage loan limits are set for high housing cost areas. Florida mortgages that 'conform' to the standards set out by the Federal Housing Finance Agency can be purchased by government sponsored entities (GSE) like Freddie Mac and Fannie Mae. This process guarantees Florida banks, mortgage companies and credit unions are able to resell home mortgage loans that they make. This process also makes Florida conforming mortgage rates and refi rates lower than Florida jumbo mortgage rates and jumbo refinance rates because the GSE's can’t purchase jumbo mortgages that are made by Florida home finance companies, credit unions and banks.
Jumbo Mortgage Rates and Refinance Rates in Florida
Jumbo mortgage rates in Florida are advertised for home loans that have a dollar amount that is higher than conventional loan amounts. Jumbo mortgage rates and jumbo refinance rates are always higher than conventional mortgage rates for both fixed mortgage rates in Florida and adjustable mortgage rates in Florida. Interest rates are higher because third party investors buy the home loans credit unions, banks and mortgage companies in Florida make.
Florida Fixed Mortgage Rates and Fixed Refinance Rates
Florida fixed rate mortgages are the most common mortgage available to borrowers. With a fixed mortgage the interest rate stays the same for the entire loan period. Fixed mortgages are available in 40 years, 30 years, 20 years, 15 years and 10 years. The longer the mortgage term the lower the monthly mortgage payment will be.
Florida Adjustable Mortgage Rates
Adjustable Florida mortgage rates are fixed for a period of time and then the mortgage rate adjusts every year after. The most common adjustable mortgages terms available in Florida are 1 year, 3 year, 5year and 7 year. Adjustable rate mortgages are advertised as 1 year, 3/1, 5/1 and 7/1. Adjustable mortgages are available for conforming dollar amounts and jumbo dollar amounts in Florida. Most adjustable mortgages in Florida have yearly caps and life time maximum caps on how high the interest rate can fluctuate.
Cities in Florida
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