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Florida Mortgage Rates and Refinance Rates: HSH Lender Showcase

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Mortgage Refinance rates in Florida

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HARP 2.0 Refinance Loan 3.3% FIXED
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5.000% Rate

30 Yr. Fixed

5.045% APR

$805 / month (est)

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Updated 11/20/2018

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4.750% Rate

30 Yr. Fixed

5.010% APR

$782 / month (est)

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Updated 12/7/2018

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5.750% Rate

30 Yr. Fixed

5.841% APR

$907 / month (est)

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Updated 12/10/2018

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5.375% Rate

30 Yr. Fixed

5.531% APR

$871 / month (est)

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Updated 12/10/2018

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Florida Interest Rates as low as 4% (4.708APR)
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HARP 2.0 Refinance Loan 3.3% FIXED
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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.

For Florida, 66 counties have a conventional loan limit at $453,100 and 1 county (Monroe) at $529,000

2018 Conventional loan limits for Florida

County NameOne-FamilyTwo-FamilyThree-FamilyFour-Family
Alachua$453,100$580,150$701,250$871,450
Baker$453,100$580,150$701,250$871,450
Bay$453,100$580,150$701,250$871,450
Bradford$453,100$580,150$701,250$871,450
Brevard$453,100$580,150$701,250$871,450
Broward$453,100$580,150$701,250$871,450
Calhoun$453,100$580,150$701,250$871,450
Charlotte$453,100$580,150$701,250$871,450
Citrus$453,100$580,150$701,250$871,450
Clay$453,100$580,150$701,250$871,450
Collier$453,100$580,150$701,250$871,450
Columbia$453,100$580,150$701,250$871,450
Desoto$453,100$580,150$701,250$871,450
Dixie$453,100$580,150$701,250$871,450
Duval$453,100$580,150$701,250$871,450
Escambia$453,100$580,150$701,250$871,450
Flagler$453,100$580,150$701,250$871,450
Franklin$453,100$580,150$701,250$871,450
Gadsden$453,100$580,150$701,250$871,450
Gilchrist$453,100$580,150$701,250$871,450
Glades$453,100$580,150$701,250$871,450
Gulf$453,100$580,150$701,250$871,450
Hamilton$453,100$580,150$701,250$871,450
Hardee$453,100$580,150$701,250$871,450
Hendry$453,100$580,150$701,250$871,450
Hernando$453,100$580,150$701,250$871,450
Highlands$453,100$580,150$701,250$871,450
Hillsborough$453,100$580,150$701,250$871,450
Holmes$453,100$580,150$701,250$871,450
Indian River$453,100$580,150$701,250$871,450
Jackson$453,100$580,150$701,250$871,450
Jefferson$453,100$580,150$701,250$871,450
Lafayette$453,100$580,150$701,250$871,450
Lake$453,100$580,150$701,250$871,450
Lee$453,100$580,150$701,250$871,450
Leon$453,100$580,150$701,250$871,450
Levy$453,100$580,150$701,250$871,450
Liberty$453,100$580,150$701,250$871,450
Madison$453,100$580,150$701,250$871,450
Manatee$453,100$580,150$701,250$871,450
Marion$453,100$580,150$701,250$871,450
Martin$453,100$580,150$701,250$871,450
Miami-dade$453,100$580,150$701,250$871,450
Monroe$529,000$677,200$818,600$1,017,300
Nassau$453,100$580,150$701,250$871,450
Okaloosa$453,100$580,150$701,250$871,450
Okeechobee$453,100$580,150$701,250$871,450
Orange$453,100$580,150$701,250$871,450
Osceola$453,100$580,150$701,250$871,450
Palm Beach$453,100$580,150$701,250$871,450
Pasco$453,100$580,150$701,250$871,450
Pinellas$453,100$580,150$701,250$871,450
Polk$453,100$580,150$701,250$871,450
Putnam$453,100$580,150$701,250$871,450
Santa Rosa$453,100$580,150$701,250$871,450
Sarasota$453,100$580,150$701,250$871,450
Seminole$453,100$580,150$701,250$871,450
St. Johns$453,100$580,150$701,250$871,450
St. Lucie$453,100$580,150$701,250$871,450
Sumter$453,100$580,150$701,250$871,450
Suwannee$453,100$580,150$701,250$871,450
Taylor$453,100$580,150$701,250$871,450
Union$453,100$580,150$701,250$871,450
Volusia$453,100$580,150$701,250$871,450
Wakulla$453,100$580,150$701,250$871,450
Walton$453,100$580,150$701,250$871,450
Washington$453,100$580,150$701,250$871,450