Mortgage Rates in Florida | Refinance Rates | HSH Lender Showcase

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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.

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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