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

Loan Type Purchase    Refinance	Location State/City    Zip Code		Loan Amt	Points	FICO	% Down
30 year fixed refi 15 year fixed refi 10 year fixed refi 20 year fixed refi 5/1 ARM refi 7/1 ARM refi 10/1 ARM refi 3/1 ARM refi 5/1 ARM refi IO 7/1 ARM refi IO 3/1 ARM refi IO	AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY    Aventura Boca Raton Bradenton Cape Coral Coconut Creek Coral Gables Crystal River Daytona Beach Deerfield Beach DeLand Delray Beach Dunedin Ft Lauderdale Ft Myers Ft Walton Beach Gainesville Hallandale Hobe Sound-Port St. Lucie Hollywood Inverness Jacksonville Key West Lakeland Largo Margate Melbourne-Titusville-Palm Bay Miami Mount Dora N. Ft. Myers N. Miami Beach Naples Ocala Ojus Orlando Ormond Beach Panama City Pensacola Pompano Beach Port Charlotte Punta Gorda Sarasota Siesta Key St. Augustine St. Petersburg Sunny Isles Tallahassee Tamarac Tampa Venice Vero Beach West Palm Beach Winter Haven Winter Park		$	All 0 0.1 - 1 1.1 - 2	660 - 679 680 - 699 700 - 719 720 - 739 740+	5% 10% 15% 20% 25% 30% 40%

30 yr fixed refi in 32303, All points, Credit score: 740+     Sort by: Default Lender APR Rate Fees in APR Payment Points

Lender

APR

Rate

Cost & Fees

Notes

 

3.750%

8/22/2017

3.750%

at 0.000 pts
30 day lock rate

Est payment: $926.23

Fees in APR: None

 

 

(877) 275-4211

4.000%

8/22/2017

4.000%

at 0.000 pts
30 day lock rate

Est payment: $954.83

Fees in APR: None

 

 

Santander Bank, N.A.

4.074%

8/22/2017

3.990%

at 0.000 pts
60 day lock rate

Est payment: $953.68

Fees in APR: $2,004

 

 

LincolnWay Community Bank

3.920%

8/22/2017

3.875%

at 0.000 pts
30 day lock rate

Est payment: $940.47

Fees in APR: $1,085

 

 

4.264%

8/22/2017

4.250%

at 0.125 pts
30 day lock rate

Est payment: $983.88

Fees in APR: $79

 

 

First Citizens Bank

4.131%

8/18/2017

4.000%

at 1.130 pts
60 day lock rate

Est payment: $954.83

Fees in APR: $872

 

 

IAB Financial Bank

4.285%

8/16/2017

4.250%

at 0.000 pts
30 day lock rate

Est payment: $983.88

Fees in APR: $828

 

 

Bank of Oak Ridge

4.182%

8/17/2017

4.125%

at 0.250 pts
60 day lock rate

Est payment: $969.30

Fees in APR: $853

 

 

Regions Bank

4.290%

8/18/2017

4.250%

at 0.000 pts
45 day lock rate

Est payment: $983.88

Fees in APR: $950

 

 

TD Bank, NA

3.970%

8/15/2017

3.875%

at 0.625 pts
45 day lock rate

Est payment: $940.47

Fees in APR: $1,043

 

 

Suncoast Credit Union

3.826%

8/22/2017

3.750%

at 0.500 pts
45 day lock rate

Est payment: $926.23

Fees in APR: $850

 

 

Grow Financial FCU

3.916%

8/22/2017

3.875%

at 0.000 pts
30 day lock rate

Est payment: $940.47

Fees in APR: $1,004

 

 

BMO Harris Bank, NA

3.954%

8/18/2017

3.875%

at 0.500 pts
60 day lock rate

Est payment: $940.47

Fees in APR: $914

 

 

Raymond James Bank, NA

4.201%

8/22/2017

4.125%

at 0.250 pts
45 day lock rate

Est payment: $969.30

Fees in APR: $1,299

 

 

First Merchants Bank

3.912%

8/14/2017

3.875%

at 0.000 pts
30 day lock rate

Est payment: $940.47

Fees in APR: $905

 

 

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