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Is buying a home becoming more affordable? See the new "Salary you need to buy a median-priced home in the top 50 metro areas"

Is buying a home becoming more affordable? See the new "Salary you need to buy a median-priced home in the top 50 metro areas"

Florida Mortgage Rates and Refinance Rates: HSH Lender Showcase

Personalize your quotes and see mortgage rates just for you.
Displaying Today's Mortgage Rates for a $200000 Refinance loan in VA.
Refinance
Your loan amount is greater than the value of the property, a condition known as being "underwater".
TIP: Save money by contacting 3 or more lenders.
Featured lenders
Updated: 12/9/2019
New American Funding
  • America’s Trusted Mortgage Lender - Rated A+ by the BBB
  • Fast Pre-Approvals, Loan Closing within 14Biz Days, Lock Your Rate Now
  • Offering Conventional, Jumbo, FHA, VA, USDA. Non-QM - 680 Minimum FICO
Featured lenders
Updated: 9/4/2019
US Bank
  • Simple, secure online application. View rates online. Variable as well as fixed-rate options.
  • Multiple loan options - HELOC, HE Loan and Refinance with competitive rates.
  • Balances can be converted to as many as three fixed rate options at one time for customers.

30 year fixed mortgage rates today from 4.990%

Updated: 12/9/2019
30 Yr. Fixed
30 Yr. Fixed
Rate as low as
5.041%
APR
Rate as low as
4.990%
Rate
$ 1,073
Monthly Payment
Show Details
Updated: 12/9/2019
30 Yr. Fixed
30 Yr. Fixed
Rate as low as
3.791%
APR
Rate as low as
3.750%
Rate
$ 927
Monthly Payment
Show Details
Updated: 12/9/2019
30 Yr. Fixed
30 Yr. Fixed
Rate as low as
4.000%
APR
Rate as low as
4.000%
Rate
$ 955
Monthly Payment
Show Details
Updated: 12/6/2019
30 Yr. Fixed
30 Yr. Fixed
Rate as low as
3.721%
APR
Rate as low as
3.500%
Rate
$ 898
Monthly Payment
Show Details
Updated: 12/9/2019
30 Yr. Fixed
30 Yr. Fixed
Rate as low as
4.073%
APR
Rate as low as
3.750%
Rate
$ 926
Monthly Payment
Show Details
Updated: 9/4/2019
30 Yr. Fixed
30 Yr. Fixed
Rate as low as
3.538%
APR
Rate as low as
3.500%
Rate
$ 898
Monthly Payment
Show Details
Updated: 12/9/2019
Quicken Loans
  • We close our loans FAST - many in 30 days or less!
  • Rates are still low, but they may rise. Lock your rate today.
  • We have the right loans for first-time and experienced home buyers.
Updated: 12/9/2019
First Internet Bank of Indiana
  • Competitive rates and fees: No fancy branches = savings passed on to you!
  • Excellent service: We can assist you every step along the way.
  • Credible: FDIC Insured Bank, A+ rating with Better Business Bureau. NMLS 424182

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.

2019 Conventional loan limits for Florida

County NameOne FamilyTwo FamilyThree FamilyFour Family
AlachuaOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
BakerOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
BayOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
BradfordOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
BrevardOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
BrowardOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
CalhounOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
CharlotteOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
CitrusOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
ClayOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
CollierOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
ColumbiaOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
De SotoOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
DixieOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
DuvalOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
EscambiaOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
FlaglerOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
FranklinOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
GadsdenOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
GilchristOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
GladesOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
GulfOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
HamiltonOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
HardeeOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
HendryOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
HernandoOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
HighlandsOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
HillsboroughOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
HolmesOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
Indian RiverOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
JacksonOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
JeffersonOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
LafayetteOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
LakeOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
LeeOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
LeonOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
LevyOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
LibertyOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
MadisonOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
ManateeOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
MarionOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
MartinOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
Miami-dadeOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
MonroeOne Family$529,000Two Family$677,200Three Family$818,600Four Family$1,017,300
NassauOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
OkaloosaOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
OkeechobeeOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
OrangeOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
OsceolaOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
Palm BeachOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
PascoOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
PinellasOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
PolkOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
PutnamOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
Santa RosaOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
SarasotaOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
SeminoleOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
St. JohnsOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
St. LucieOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
SumterOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
SuwanneeOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
TaylorOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
UnionOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
VolusiaOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
WakullaOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
WaltonOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
WashingtonOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600