Mortgage Rates in Florida | Refinance Rates | HSH Lender Showcase

Florida Mortgages

Florida's real estate market has had its ups and downs, and tracking FL mortgage rates is just as critical as getting the right price for home--be it a Naples waterfront condo or Gainesville single-family home. With up-to-date Florida mortgage rates reported at the state or metropolitan level, HSH.com gives you the information you need to run the numbers on one of our mortgage calculators.

If puzzling through various mortgage terms is as murky to you as navigating the Everglades, contact the experienced lenders with knowledge of local markets--they can give you the latest on current FL mortgage rates for your next home purchase or refinance.

Florida conventional mortgage

A conventional mortgage loan is generally a loan made using private mortgage money and not backed by a government entity, such as FHA, VA or USDA. Conventional mortgages are available in fixed rate and adjustable rate varieties and with a wide range of terms. A conventional loan that meets a number of specific criteria can be sold to Fannie Mae or Freddie Mac and is known as conventional conforming mortgage.

2021 Conforming loan limits for Florida

County Name	One Family	Two Family	Three Family	Four Family

Alachua County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Baker County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Bay County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Bradford County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Brevard County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Broward County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Calhoun County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Charlotte County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Citrus County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Clay County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Collier County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Columbia County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Desoto County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Dixie County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Duval County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Escambia County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Flagler County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Franklin County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Gadsden County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Gilchrist County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Glades County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Gulf County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Hamilton County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Hardee County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Hendry County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Hernando County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Highlands County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Hillsborough County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Holmes County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Indian River County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Jackson County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Jefferson County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Lafayette County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Lake County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Lee County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Leon County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Levy County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Liberty County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Madison County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Manatee County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Marion County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Martin County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Miami-dade County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Monroe County	One Family$608,350	Two Family$778,800	Three Family$941,400	Four Family$1,169,900
Nassau County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Okaloosa County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Okeechobee County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Orange County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Osceola County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Palm Beach County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Pasco County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Pinellas County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Polk County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Putnam County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Santa Rosa County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Sarasota County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Seminole County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
St. Johns County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
St. Lucie County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Sumter County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Suwannee County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Taylor County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Union County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Volusia County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Wakulla County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Walton County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500
Washington County	One Family$548,250	Two Family$702,000	Three Family$848,500	Four Family$1,054,500

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