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Loan Type	Rate	APR	Points	Monthly Payment
FHA 30-Year Fixed	5.875%	6.627%	2.000	$2,251
VA 30-Year Fixed	5.750%	6.100%	2.250	$2,068
Conventional 15-Year Fixed	5.625%	6.038%	2.250	$2,883
Conventional 30-Year Fixed	6.250%	6.479%	2.000	$2,155
Jumbo 30-Year Fixed	6.000%	6.227%	2.250	$5,695

Loan Type	Rate	APR	Points	Monthly Payment
FHA 30-Year Refinance	5.990%	6.766%	2.000	$2,277
VA 30-Year Refinance	5.990%	6.240%	2.125	$2,106
Conventional 15-Year Refinance	5.750%	6.237%	2.500	$2,906
Conventional 30-Year Refinance	6.375%	6.650%	2.250	$2,183
Jumbo 30-Year Refinance	6.000%	6.258%	2.500	$5,695

Loan Type	Rate	APR	Points	Monthly Payment

FHA 30-Year Fixed: Interest rate offered based on $356,125 loan amount with 6.627% APR and $2,251 monthly payment at 70% loan-to-value (LTV) and 2.000 discount points. Payment is Principal and Interest example only.

VA 30-Year Fixed: Interest rate offered based on $354,375 loan amount with 6.100% APR and $2,068 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal and Interest example only.

Conventional 15-Year Fixed: Interest rate offered based on $350,000 loan amount with 6.038% APR and $2,883 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal and Interest example only.

Conventional 30-Year Fixed: Interest rate offered based on $350,000 loan amount with 6.479% APR and $2,155 monthly payment at 70% loan-to-value (LTV) and 2.000 discount points. Payment is Principal and Interest example only.

Jumbo 30-Year Fixed: Interest rate offered based on $950,001 loan amount with 6.227% APR and $5,695 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal and Interest example only.

FHA 30-Year Refinance: Interest rate offered based on $356,125 loan amount with 6.766% APR and $2,277 monthly payment at 70% loan-to-value (LTV) and 2.000 discount points. Payment is Principal and Interest example only.

VA 30-Year Refinance: Interest rate offered based on $351,750 loan amount with 6.240% APR and $2,106 monthly payment at 70% loan-to-value (LTV) and 2.125 discount points. Payment is Principal and Interest example only.

Conventional 15-Year Refinance: Interest rate offered based on $350,000 loan amount with 6.237% APR and $2,906 monthly payment at 70% loan-to-value (LTV) and 2.500 discount points. Payment is Principal and Interest example only.

Conventional 30-Year Refinance: Interest rate offered based on $350,000 loan amount with 6.650% APR and $2,183 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal and Interest example only.

Jumbo 30-Year Refinance: Interest rate offered based on $950,001 loan amount with 6.258% APR and $5,695 monthly payment at 70% loan-to-value (LTV) and 2.500 discount points. Payment is Principal and Interest example only.

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Mortgage Rates Trend in Florida

Historical rates shown for context only. See full disclosures below and current rates in the table above. View Legal Disclosures

What Affects Mortgage Rates in Florida

Florida mortgage pricing follows national lending markets rather than rates set at the state level. Your credit profile, loan structure, property details and other application factors can affect the pricing available to you.

A mortgage quote for a home in Miami can differ from one for a property in rural Florida when the borrower, property or loan details change.

When comparing lenders for a home purchase, look at both the interest rate and the annual percentage rate, or APR. The interest rate is the percentage charged for borrowing the principal. APR is a broader annualized measure that includes the interest rate plus certain loan costs.

Comparing both can help you spot differences between offers that carry similar interest rates but different qualifying costs.

If you’re considering replacing an existing Florida mortgage, compare Florida refinance rates with your current loan terms.

Types of Mortgages Available in Florida

Floridians buying a home can choose among several mortgage structures, while the amount borrowed and the property's county can determine whether conventional financing is conforming or jumbo.

A conventional fixed-rate mortgage keeps the same interest rate for the full loan term. Your credit profile, down payment, property and other application details affect the terms available to you.
FHA loans in Florida follow separate borrower and property requirements. FHA loan limits are set separately from conforming limits and are published county by county.
Eligible borrowers can compare Florida VA loan rates. VA financing follows its own borrower and property requirements.
USDA loans combine borrower qualification with property eligibility and may apply when you are buying in an eligible rural part of Florida.
An adjustable-rate mortgage can change after its initial rate period according to the loan terms. Review the adjustment schedule and how later rate changes could affect your payment.
A jumbo loan finances an amount above the conforming limit that applies to the property's county. Florida has one higher-cost county, so the threshold is not identical across the state.

Buyers entering the market for the first time can compare first-time homebuyer loan options in Florida.

Mortgage insurance treatment depends on the loan program, so include mortgage insurance requirements by loan type when estimating the full payment.

2026 Conforming and Jumbo Loan Limits in Florida

Florida has two one-unit conforming thresholds for 2026: $832,750 in 66 counties and $990,150 in Monroe County. Your property's county therefore determines the loan amount at which conventional financing moves into the jumbo category.

Monroe County is the only Florida county above the $832,750 baseline. Its $990,150 limit gives buyers there a higher conforming threshold before the loan becomes jumbo.

County	2026 one-unit conforming limit
Monroe County	$990,150

The Federal Housing Finance Agency, or FHFA, sets conforming loan limits annually. A one-unit mortgage above the applicable county limit falls into the jumbo category, so financing above $832,750 can be jumbo in one part of Florida while remaining conforming in Monroe County. Buyers above their applicable threshold can compare Florida jumbo loan rates.

These are 2026 limits for one-unit properties. Limits for two-, three- and four-unit properties are higher. The FHFA publishes annual conforming loan limit values by county and property size.

FHA financing uses a separate limit system, so FHA loan limits in Florida are published separately county by county. The VA does not impose a loan limit for eligible borrowers with full entitlement. Lenders may still apply their own underwriting and loan-size requirements, and Florida VA loan rates are published separately.

Florida Mortgage Payment Examples By Rate

Florida's payment examples extend to a $900,000 mortgage. That amount is above the $832,750 limit used in 66 counties but below Monroe County's $990,150 limit, so whether the loan is conforming or jumbo depends on the property's location. Use the Florida mortgage payment calculator to test a different loan amount or other mortgage details.

Loan Amount	5.50%	5.75%	6.00%	6.25%	6.50%
$900,000	$5,110	$5,252	$5,396	$5,541	$5,689
$800,000	$4,542	$4,669	$4,796	$4,926	$5,057
$700,000	$3,975	$4,085	$4,197	$4,310	$4,424
$600,000	$3,407	$3,501	$3,597	$3,694	$3,792
$500,000	$2,839	$2,918	$2,998	$3,079	$3,160
$400,000	$2,271	$2,334	$2,398	$2,463	$2,528
$300,000	$1,703	$1,751	$1,799	$1,847	$1,896

The figures cover principal and interest only. Property taxes, homeowners insurance, mortgage insurance, association fees and other costs are not included.

Loan Officers in Florida

Rachel Perz

Mortgage Loan Officer

NMLS ID# 2218102

Today's Mortgage Rates in Florida

FL Mortgage Rate Insights

Current Florida Mortgage Rates

Legal Disclosures

Get your personalized rate

Mortgage Rates Trend in Florida

Legal Disclosures

What Affects Mortgage Rates in Florida

Types of Mortgages Available in Florida

2026 Conforming and Jumbo Loan Limits in Florida

Florida Mortgage Payment Examples By Rate

Florida Mortgage FAQs

Loan Officers in Florida

Rachel Perz

Nathan Davis

Brian Heckman

Yanire Linares

Josh Mick

Isabel Sosa

Cheryl Baldwin

Ira Goldberg

William Baralt

Melanie Brown

Jorge Betancourt

Patrick Srichaiyan

Lisa Cohen

Jonathan Howard

Lola Wesson

Ryan Zilly

Susan Jessen

Melissa McGlinchey

Michelle Marie Stapleton

Farryl Brooke

Dorjan Arapi

Vito Mirra

Michael Graffeo

Amanda Miller

DeAnna Rivera

Terry Mogle

Andrew Sassen

Dana Susan Ressler

Kevin Murphy

Bill Lund

Mike Wesson

Karen Greenwood

Chris Velasquez

Elizabeth Goetsch

Amanda Berry

Christina Klingman

Renata Wolfe

Martavius Lewis

Bob Chamorro

P Connor Hancock

Jose Icaza

Karel Hernandez

Valeria Linares

Erick Martinez

Brian Angarone

Kyndall Shinn

Mike Tullio

AJ Lee

Brandon Lavern

Tim Szumigala

Codey Dalton

Erica Hilla

David Thornton

Jimmy Seewald

Michael Baralt

Zach Mick

Todd Richards

Marc Creach

Daniel Rubio

Wendy Buckingham

Zeida Mendez

Jacqualine Wolcott

Christine Guddal-Sims

Becky Sikorski

Maureen Helm

Tyler Helm

Edgard Gonzalez