Florida mortgage rates today.
Rates change daily based on the bond market. Get a personalized rate quote for your specific loan type, credit score, and property — not a generic national average.
Rates by loan type.
Advertised rates are national averages that often don’t reflect what you’ll actually pay. Your rate depends on your credit score, loan-to-value ratio, property type, and loan amount. Submit a pre-approval request for a real quote within 24 hours.
| Loan Type | Rate | APR | Best For |
|---|---|---|---|
| 30-Year Fixed | Contact for rate | Contact for APR | Long-term stability, lower monthly payments |
| 15-Year Fixed | Contact for rate | Contact for APR | Pay off faster, significant interest savings |
| FHA 30-Year | Contact for rate | Contact for APR | 3.5% down, credit scores from 580 |
| VA 30-Year | Contact for rate | Contact for APR | $0 down, no PMI for eligible veterans |
| DSCR (Investor) | Contact for rate | Contact for APR | Qualify on rental income, no W-2 required |
| Jumbo 30-Year | Contact for rate | Contact for APR | Loans above $806,500 conforming limit |
Rates are personalized. Submit a pre-approval to receive your exact quote.
Credit Score
A 760+ score typically earns the best rates. Each 20-point drop in score can raise your rate by 0.125–0.25%.
Loan-to-Value (LTV)
Lower LTV = lower rate. 20%+ down payment eliminates PMI and often earns a better rate tier.
Loan Amount
Conforming loans (≤$806,500) price differently than jumbo loans. Some jumbo products are actually priced competitively.
Property Type
Single-family homes get the best pricing. Condos, investment properties, and 2–4 unit buildings carry rate adjustments.
Rate Lock Period
Locking for 30 days vs 60 days affects pricing. Longer locks cost slightly more but protect you during your purchase timeline.
Equal Housing Lender. Rates subject to change without notice. Not a commitment to lend. All loans subject to credit approval. NMLS# 1859012. Licensed in Florida.
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