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Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

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.

2024 Conforming loan limits for Florida

Select County
County Name One Family Two Family Three Family Four Family
Alachua County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Baker County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Bay County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Bradford County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Brevard County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Broward County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Calhoun County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Charlotte County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Citrus County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Clay County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Collier County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Columbia County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Desoto County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Dixie County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Duval County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Escambia County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Flagler County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Franklin County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Gadsden County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Gilchrist County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Glades County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Gulf County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Hamilton County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Hardee County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Hendry County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Hernando County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Highlands County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Hillsborough County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Holmes County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Indian River County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Jackson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Jefferson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lafayette County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lake County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lee County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Leon County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Levy County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Liberty County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Madison County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Manatee County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Marion County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Martin County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Miami-dade County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Monroe County One Family$967,150 Two Family$1,238,150 Three Family$1,496,600 Four Family$1,859,950
Nassau County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Okaloosa County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Okeechobee County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Orange County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Osceola County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Palm Beach County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Pasco County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Pinellas County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Polk County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Putnam County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Santa Rosa County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Sarasota County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Seminole County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
St. Johns County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
St. Lucie County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Sumter County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Suwannee County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Taylor County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Union County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Volusia County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Wakulla County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Walton County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Washington County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250

Mortgage Rates by State

Mortgage rates by loan term and type

Today's Mortgage Rates
30-year fixed mortgage rates
15-year fixed mortgage rates
20-year fixed mortgage rates
10-year fixed mortgage rates
5/1 Adjustable Rate Mortgage Rates
7/1 Adjustable Rate Mortgage Rates
10/1 Adjustable Rate Mortgage Rates
VA mortgage rates
FHA mortgage rates
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