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Loan Type	Rate	APR	Points	Monthly Payment
FHA 30-Year Fixed	5.990%	6.746%	2.000	$2,277
VA 30-Year Fixed	5.875%	6.227%	2.250	$2,096
Conventional 15-Year Fixed	5.875%	6.230%	1.875	$2,929
Conventional 30-Year Fixed	6.375%	6.618%	2.125	$2,183
Jumbo 30-Year Fixed	6.250%	6.456%	2.000	$5,849

Loan Type	Rate	APR	Points	Monthly Payment
FHA 30-Year Refinance	6.125%	6.932%	2.250	$2,308
VA 30-Year Refinance	6.125%	6.401%	2.375	$2,137
Conventional 15-Year Refinance	5.875%	6.344%	2.375	$2,929
Conventional 30-Year Refinance	6.490%	6.792%	2.500	$2,209
Jumbo 30-Year Refinance	6.250%	6.488%	2.250	$5,849

Loan Type	Rate	APR	Points	Monthly Payment

FHA 30-Year Fixed: Interest rate offered based on $356,125 loan amount with 6.746% APR and $2,277 monthly payment at 70% loan-to-value (LTV) and 2.000 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

VA 30-Year Fixed: Interest rate offered based on $354,375 loan amount with 6.227% APR and $2,096 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Conventional 15-Year Fixed: Interest rate offered based on $350,000 loan amount with 6.230% APR and $2,929 monthly payment at 70% loan-to-value (LTV) and 1.875 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Conventional 30-Year Fixed: Interest rate offered based on $350,000 loan amount with 6.618% APR and $2,183 monthly payment at 70% loan-to-value (LTV) and 2.125 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Jumbo 30-Year Fixed: Interest rate offered based on $950,001 loan amount with 6.456% APR and $5,849 monthly payment at 70% loan-to-value (LTV) and 2.000 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

FHA 30-Year Refinance: Interest rate offered based on $356,125 loan amount with 6.932% APR and $2,308 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

VA 30-Year Refinance: Interest rate offered based on $351,750 loan amount with 6.401% APR and $2,137 monthly payment at 70% loan-to-value (LTV) and 2.375 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Conventional 15-Year Refinance: Interest rate offered based on $350,000 loan amount with 6.344% APR and $2,929 monthly payment at 70% loan-to-value (LTV) and 2.375 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Conventional 30-Year Refinance: Interest rate offered based on $350,000 loan amount with 6.792% APR and $2,209 monthly payment at 70% loan-to-value (LTV) and 2.500 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Jumbo 30-Year Refinance: Interest rate offered based on $950,001 loan amount with 6.488% APR and $5,849 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

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Refinance 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 Refinance Rates in Florida

Florida refinance rates reflect national lending conditions along with the details of your replacement mortgage. Your credit profile, loan-to-value, loan structure, property details and occupancy can affect the rate and terms available to you.

A refinance quote can differ from a purchase quote for the same borrower because the purpose and structure of the transaction are different. Compare the proposed new mortgage with the loan you already have, including its rate, term and costs.

The interest rate is the percentage charged for borrowing the principal. The annual percentage rate, or APR, is a broader annualized measure that includes the interest rate plus certain loan costs. APR can provide additional context when two refinance offers have different rates or upfront costs.

If you are buying rather than refinancing, compare Florida mortgage rates.

Types of Refinances Available in Florida

A rate-and-term refinance replaces your existing mortgage without taking cash out of the property. The replacement loan can change the rate, term or both.

A lower interest rate could reduce your monthly principal-and-interest payment, while changing the term can affect both the payment and how long you carry the mortgage. Compare those changes with the costs required to complete the refinance.

How long you expect to keep the new mortgage also affects the calculation. Use the refinance break-even calculator to compare the upfront costs with the expected monthly savings.

FHA and VA Refinance Options in Florida

If your current mortgage is FHA-backed, an FHA streamline refinance uses limited borrower credit documentation and underwriting to refinance an existing FHA-insured mortgage. An FHA simple refinance also replaces an existing FHA mortgage but uses an appraisal and credit-qualifying underwriting. HUD's FHA streamline refinance guidance provides the program requirements.

If your current mortgage is VA-backed, a VA Interest Rate Reduction Refinance Loan, or IRRRL, can refinance the existing VA-backed loan and may lower the monthly mortgage payment or make payments more stable by moving from an adjustable-rate loan to a fixed-rate loan. The VA's IRRRL guidance outlines eligibility and program requirements.

Conforming Loan Limits for a Florida Refinance

Most of Florida uses the national baseline conforming loan limit. According to FHFA's 2026 conforming loan limits, the one-unit limit is $832,750 in 66 of Florida's 67 counties. Monroe County, which includes the Florida Keys, has a higher one-unit limit of $990,150.

A one-unit refinance above $832,750 exceeds the conforming loan limit in most of Florida. In Monroe County, the new loan balance can be as high as $990,150 without exceeding the county's 2026 one-unit limit. A loan below the applicable limit still has to meet conventional mortgage requirements to qualify as conforming.

Florida Refinance FAQs

When Does Refinancing Make Sense in Florida?

Compare your existing mortgage with the proposed replacement loan, including the interest rate, monthly payment, new loan term and closing costs. Florida mortgage-related taxes can also factor into those upfront expenses. The length of time you expect to keep the new mortgage affects whether any monthly savings have enough time to offset the costs.

Why Is the Conforming Loan Limit Higher in Monroe County?

FHFA sets higher conforming loan limits in qualifying high-cost areas based on local home values. Monroe County has a $990,150 one-unit limit for 2026, while every other Florida county uses the $832,750 baseline. That means a loan amount that exceeds the conforming limit in Miami-Dade, Broward or Palm Beach County could still fall below the one-unit limit in Monroe County.

Can I Refinance a VA Loan in Florida?

Yes. If your current mortgage is VA-backed, an IRRRL may be available to refinance it. The existing mortgage must be VA-backed, and VA and lender requirements apply to the new loan.

Loan Officers in Florida

Rachel Perz

Mortgage Loan Officer

NMLS ID# 2218102

Today's Refinance Rates in Florida

Current Florida Home Refinance Rates

Legal Disclosures

Get your personalized rate

Refinance Rates Trend in Florida

Legal Disclosures

What Affects Mortgage Refinance Rates in Florida

Types of Refinances Available in Florida

FHA and VA Refinance Options in Florida

Conforming Loan Limits for a Florida Refinance

Florida Refinance FAQs

When Does Refinancing Make Sense in Florida?

Why Is the Conforming Loan Limit Higher in Monroe County?

Can I Refinance a VA Loan in Florida?

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