Florida Mortgage Rates Today

Florida mortgage rates today. Compare & save.

Current Florida mortgage rates for 30-year fixed, 15-year fixed, FHA, VA, jumbo, and DSCR loans. Lending through Mortgage Capital — competitive rates, fast closings.

Florida Mortgage Programs

Every loan program. One lending team.

Mortgage Capital is Pure Equity Realty’s lending partner. We offer conventional, FHA, VA, jumbo, DSCR, bank statement, and non-QM loan programs across Florida. Because our mortgage team works alongside our real estate agents, you get coordinated service from search to close — and stronger offers because sellers know your financing is solid.

Loan Programs Available

30-Year Fixed

15-Year Fixed

Equity Builder

Lower rate, higher payment. Build equity faster.

FHA Loan

Low Down Payment

3.5% down, 580+ credit score. Great for first-time buyers.

VA Loan

Veterans

0% down for eligible veterans and active-duty service members.

DSCR Loan

Investors

Qualify on rental income, not personal income. Ideal for investors.

Jumbo Loan

Luxury

For loan amounts above conforming limits ($806,500 in 2025).

Adjustable Rate (ARM)

Lower Start

Lower intro rate, adjusts after fixed period. Good short-term strategy.

Non-QM / Bank Statement

Self-Employed

Self-employed borrowers qualify using 12–24 months bank statements.

What Affects Your Rate

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Credit Score — Higher credit score = lower rate. 760+ unlocks the best pricing.

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Loan-to-Value (LTV) — Larger down payment = lower LTV = better rate and no PMI.

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Loan Type — Conventional, FHA, VA, and jumbo each have different rate structures.

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Property Type — Primary residence rates are lowest. Investment properties cost more.

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Lock Period — 30-day locks are cheaper than 60-day locks.

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Discount Points — Pay upfront points to buy down your rate — often worth it long-term.

Related Mortgage Pages

Mortgage Calculator

FHA Loan Requirements

Lock in your Florida mortgage rate today.

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