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Florida Mortgage Rates

Your pricing,
the whole structure.

Adjust the scenario and see rate, APR, points or credit, closing costs, and payment for every program, no application or hard credit pull.

Latest available Florida mortgage pricing ● As of August 28, 2026

30 Year Fixed

Rate6.000%
APR6.255%
Points / credit2.500% · $13,000
Closing costs$14,300
P&I payment$3,118/mo
Rate6.125%
APR6.336%
Points / credit2.000% · $10,400
Closing costs$11,727
P&I payment$3,160/mo
Rate6.250%
APR6.393%
Points / credit1.250% · $6,500
Closing costs$7,854
P&I payment$3,202/mo
Rate6.375%
APR6.460%
Points / credit0.625% · $3,250
Closing costs$4,631
P&I payment$3,244/mo
Rate6.500%
APR6.538%
Points / credit0.125% · $650
Closing costs$2,058
P&I payment$3,287/mo
Rate6.625%
APR6.640%
Points / credit$650 credit
Closing costs$785
P&I payment$3,330/mo
Rate6.750%
APR6.750%
Points / credit$3,250 credit
Closing costs$1,788 back
P&I payment$3,373/mo

Elite 30 Year

Rate6.125%
APR6.413%
Points / credit2.828% · $14,706
Closing costs$16,033
P&I payment$3,160/mo
Rate6.250%
APR6.534%
Points / credit2.759% · $14,347
Closing costs$15,701
P&I payment$3,202/mo
Rate6.375%
APR6.591%
Points / credit2.005% · $10,426
Closing costs$11,807
P&I payment$3,244/mo
Rate6.500%
APR6.653%
Points / credit1.325% · $6,890
Closing costs$8,298
P&I payment$3,287/mo
Rate6.625%
APR6.738%
Points / credit0.890% · $4,628
Closing costs$6,063
P&I payment$3,330/mo
Rate6.875%
APR6.933%
Points / credit0.308% · $1,602
Closing costs$3,091
P&I payment$3,416/mo
Rate6.999%
APR7.001%
Points / credit$1,388 credit
Closing costs$128
P&I payment$3,459/mo
Rate7.125%
APR7.125%
Points / credit$3,411 credit
Closing costs$1,867 back
P&I payment$3,503/mo
Rate7.250%
APR7.250%
Points / credit$4,399 credit
Closing costs$2,828 back
P&I payment$3,547/mo

Elite 30 Year Fixed FHA

Rate5.500%
APR5.764%
Points / credit2.707% · $14,076
Closing costs$15,268
P&I payment$2,953/mo
Rate5.625%
APR5.844%
Points / credit2.182% · $11,346
Closing costs$12,565
P&I payment$2,993/mo
Rate5.750%
APR5.929%
Points / credit1.712% · $8,902
Closing costs$10,148
P&I payment$3,035/mo
Rate5.875%
APR5.977%
Points / credit0.855% · $4,446
Closing costs$5,719
P&I payment$3,076/mo
Rate6.000%
APR6.044%
Points / credit0.218% · $1,134
Closing costs$2,434
P&I payment$3,118/mo
Rate6.125%
APR6.125%
Points / credit$1,362 credit
Closing costs$35 back
P&I payment$3,160/mo
Rate6.250%
APR6.250%
Points / credit$2,569 credit
Closing costs$1,215 back
P&I payment$3,202/mo
Rate6.375%
APR6.375%
Points / credit$4,909 credit
Closing costs$3,528 back
P&I payment$3,244/mo

Elite 30 Year Fixed VA

Rate5.500%
APR5.746%
Points / credit2.507% · $13,036
Closing costs$14,228
P&I payment$2,953/mo
Rate5.625%
APR5.826%
Points / credit1.982% · $10,306
Closing costs$11,525
P&I payment$2,993/mo
Rate5.750%
APR5.910%
Points / credit1.512% · $7,862
Closing costs$9,108
P&I payment$3,035/mo
Rate5.875%
APR5.986%
Points / credit0.955% · $4,966
Closing costs$6,239
P&I payment$3,076/mo
Rate6.000%
APR6.053%
Points / credit0.318% · $1,654
Closing costs$2,954
P&I payment$3,118/mo
Rate6.125%
APR6.134%
Points / credit$842 credit
Closing costs$485
P&I payment$3,160/mo
Rate6.250%
APR6.250%
Points / credit$2,049 credit
Closing costs$695 back
P&I payment$3,202/mo
Rate6.375%
APR6.375%
Points / credit$3,869 credit
Closing costs$2,488 back
P&I payment$3,244/mo

25 Year Fixed

Rate6.000%
APR6.288%
Points / credit2.500% · $13,000
Closing costs$14,300
P&I payment$3,350/mo
Rate6.125%
APR6.363%
Points / credit2.000% · $10,400
Closing costs$11,727
P&I payment$3,390/mo
Rate6.250%
APR6.411%
Points / credit1.250% · $6,500
Closing costs$7,854
P&I payment$3,430/mo
Rate6.375%
APR6.470%
Points / credit0.625% · $3,250
Closing costs$4,631
P&I payment$3,471/mo
Rate6.500%
APR6.543%
Points / credit0.125% · $650
Closing costs$2,058
P&I payment$3,511/mo
Rate6.625%
APR6.641%
Points / credit$650 credit
Closing costs$785
P&I payment$3,552/mo
Rate6.750%
APR6.750%
Points / credit$3,250 credit
Closing costs$1,788 back
P&I payment$3,593/mo

20 Year Fixed

Rate5.875%
APR6.197%
Points / credit2.375% · $12,350
Closing costs$13,623
P&I payment$3,688/mo
Rate6.000%
APR6.262%
Points / credit1.875% · $9,750
Closing costs$11,050
P&I payment$3,725/mo
Rate6.125%
APR6.328%
Points / credit1.375% · $7,150
Closing costs$8,477
P&I payment$3,763/mo
Rate6.250%
APR6.361%
Points / credit0.625% · $3,250
Closing costs$4,604
P&I payment$3,801/mo
Rate6.375%
APR6.408%
Points / creditPar · 0 pts
Closing costs$1,381
P&I payment$3,839/mo
Rate6.500%
APR6.500%
Points / credit$2,600 credit
Closing costs$1,192 back
P&I payment$3,877/mo
Rate6.625%
APR6.625%
Points / credit$3,900 credit
Closing costs$2,465 back
P&I payment$3,915/mo

Elite 20 Year

Rate6.125%
APR6.494%
Points / credit2.726% · $14,175
Closing costs$15,502
P&I payment$3,763/mo
Rate6.250%
APR6.602%
Points / credit2.570% · $13,364
Closing costs$14,718
P&I payment$3,801/mo
Rate6.375%
APR6.653%
Points / credit1.949% · $10,135
Closing costs$11,516
P&I payment$3,839/mo
Rate6.500%
APR6.707%
Points / credit1.370% · $7,124
Closing costs$8,532
P&I payment$3,877/mo
Rate6.625%
APR6.787%
Points / credit1.001% · $5,205
Closing costs$6,641
P&I payment$3,915/mo
Rate6.875%
APR6.970%
Points / credit0.451% · $2,345
Closing costs$3,835
P&I payment$3,993/mo
Rate6.999%
APR7.032%
Points / credit$198 credit
Closing costs$1,319
P&I payment$4,031/mo
Rate7.125%
APR7.125%
Points / credit$2,590 credit
Closing costs$1,046 back
P&I payment$4,071/mo
Rate7.250%
APR7.250%
Points / credit$3,541 credit
Closing costs$1,970 back
P&I payment$4,110/mo

15 Year Fixed

Rate5.000%
APR5.427%
Points / credit2.625% · $13,650
Closing costs$14,733
P&I payment$4,112/mo
Rate5.125%
APR5.460%
Points / credit2.000% · $10,400
Closing costs$11,510
P&I payment$4,146/mo
Rate5.250%
APR5.530%
Points / credit1.625% · $8,450
Closing costs$9,588
P&I payment$4,180/mo
Rate5.375%
APR5.600%
Points / credit1.250% · $6,500
Closing costs$7,665
P&I payment$4,214/mo
Rate5.500%
APR5.669%
Points / credit0.875% · $4,550
Closing costs$5,742
P&I payment$4,249/mo
Rate5.625%
APR5.700%
Points / credit0.250% · $1,300
Closing costs$2,519
P&I payment$4,283/mo
Rate5.750%
APR5.768%
Points / credit$650 credit
Closing costs$596
P&I payment$4,318/mo
Rate5.875%
APR5.875%
Points / credit$1,950 credit
Closing costs$677 back
P&I payment$4,353/mo
Rate6.000%
APR6.000%
Points / credit$2,600 credit
Closing costs$1,300 back
P&I payment$4,388/mo

Elite 15 Year

Rate5.250%
APR5.719%
Points / credit2.874% · $14,945
Closing costs$16,082
P&I payment$4,180/mo
Rate5.375%
APR5.760%
Points / credit2.303% · $11,976
Closing costs$13,140
P&I payment$4,214/mo
Rate5.500%
APR5.831%
Points / credit1.931% · $10,041
Closing costs$11,233
P&I payment$4,249/mo
Rate5.625%
APR5.905%
Points / credit1.587% · $8,252
Closing costs$9,471
P&I payment$4,283/mo
Rate5.750%
APR5.953%
Points / credit1.077% · $5,600
Closing costs$6,846
P&I payment$4,318/mo
Rate5.875%
APR5.994%
Points / credit0.523% · $2,720
Closing costs$3,993
P&I payment$4,353/mo
Rate6.000%
APR6.067%
Points / credit0.181% · $941
Closing costs$2,241
P&I payment$4,388/mo
Rate6.125%
APR6.150%
Points / credit$504 credit
Closing costs$823
P&I payment$4,423/mo
Rate6.250%
APR6.250%
Points / credit$1,586 credit
Closing costs$232 back
P&I payment$4,459/mo
Rate6.375%
APR6.375%
Points / credit$4,300 credit
Closing costs$2,919 back
P&I payment$4,494/mo

Elite 15 Year Fixed FHA

Rate4.875%
APR5.335%
Points / credit2.864% · $14,893
Closing costs$15,949
P&I payment$4,078/mo
Rate5.000%
APR5.386%
Points / credit2.356% · $12,251
Closing costs$13,335
P&I payment$4,112/mo
Rate5.125%
APR5.437%
Points / credit1.848% · $9,610
Closing costs$10,720
P&I payment$4,146/mo
Rate5.250%
APR5.489%
Points / credit1.354% · $7,041
Closing costs$8,178
P&I payment$4,180/mo
Rate5.375%
APR5.568%
Points / credit1.040% · $5,408
Closing costs$6,573
P&I payment$4,214/mo
Rate5.500%
APR5.626%
Points / credit0.593% · $3,084
Closing costs$4,275
P&I payment$4,249/mo
Rate5.625%
APR5.686%
Points / credit0.160% · $832
Closing costs$2,051
P&I payment$4,283/mo
Rate5.750%
APR5.750%
Points / credit$1,310 credit
Closing costs$65 back
P&I payment$4,318/mo
Rate6.000%
APR6.000%
Points / credit$3,130 credit
Closing costs$1,830 back
P&I payment$4,388/mo

Elite 15 Year Fixed VA

Rate5.000%
APR5.446%
Points / credit2.756% · $14,331
Closing costs$15,415
P&I payment$4,112/mo
Rate5.125%
APR5.497%
Points / credit2.248% · $11,690
Closing costs$12,800
P&I payment$4,146/mo
Rate5.250%
APR5.550%
Points / credit1.754% · $9,121
Closing costs$10,258
P&I payment$4,180/mo
Rate5.375%
APR5.629%
Points / credit1.440% · $7,488
Closing costs$8,653
P&I payment$4,214/mo
Rate5.500%
APR5.688%
Points / credit0.993% · $5,164
Closing costs$6,355
P&I payment$4,249/mo
Rate5.625%
APR5.747%
Points / credit0.560% · $2,912
Closing costs$4,131
P&I payment$4,283/mo
Rate5.750%
APR5.810%
Points / credit0.148% · $770
Closing costs$2,015
P&I payment$4,318/mo
Rate6.000%
APR6.007%
Points / credit$1,050 credit
Closing costs$250
P&I payment$4,388/mo
Rate6.125%
APR6.125%
Points / credit$3,214 credit
Closing costs$1,887 back
P&I payment$4,423/mo

10 Year Fixed

Rate5.000%
APR5.583%
Points / credit2.500% · $13,000
Closing costs$14,083
P&I payment$5,515/mo
Rate5.125%
APR5.576%
Points / credit1.875% · $9,750
Closing costs$10,860
P&I payment$5,547/mo
Rate5.250%
APR5.623%
Points / credit1.500% · $7,800
Closing costs$8,938
P&I payment$5,579/mo
Rate5.375%
APR5.669%
Points / credit1.125% · $5,850
Closing costs$7,015
P&I payment$5,611/mo
Rate5.500%
APR5.714%
Points / credit0.750% · $3,900
Closing costs$5,092
P&I payment$5,643/mo
Rate5.625%
APR5.704%
Points / credit0.125% · $650
Closing costs$1,869
P&I payment$5,676/mo
Rate5.750%
APR5.750%
Points / credit$1,300 credit
Closing costs$54 back
P&I payment$5,708/mo
Rate5.875%
APR5.875%
Points / credit$2,600 credit
Closing costs$1,327 back
P&I payment$5,740/mo
Rate6.000%
APR6.000%
Points / credit$3,250 credit
Closing costs$1,950 back
P&I payment$5,773/mo
Rate6.500%
APR6.500%
Points / credit$3,453 credit
Closing costs$2,044 back
P&I payment$5,904/mo
Rate6.625%
APR6.625%
Points / credit$4,410 credit
Closing costs$2,974 back
P&I payment$5,938/mo

Elite 10 Year

Rate5.125%
APR5.789%
Points / credit2.866% · $14,903
Closing costs$16,014
P&I payment$5,547/mo
Rate5.250%
APR5.789%
Points / credit2.274% · $11,825
Closing costs$12,962
P&I payment$5,579/mo
Rate5.375%
APR5.794%
Points / credit1.703% · $8,856
Closing costs$10,020
P&I payment$5,611/mo
Rate5.500%
APR5.858%
Points / credit1.412% · $7,342
Closing costs$8,534
P&I payment$5,643/mo
Rate5.625%
APR5.928%
Points / credit1.151% · $5,985
Closing costs$7,204
P&I payment$5,676/mo
Rate5.750%
APR5.962%
Points / credit0.727% · $3,780
Closing costs$5,026
P&I payment$5,708/mo
Rate5.875%
APR5.967%
Points / credit0.173% · $900
Closing costs$2,173
P&I payment$5,740/mo
Rate6.000%
APR6.035%
Points / credit$478 credit
Closing costs$822
P&I payment$5,773/mo
Rate6.125%
APR6.125%
Points / credit$1,534 credit
Closing costs$207 back
P&I payment$5,806/mo
Rate6.250%
APR6.250%
Points / credit$1,778 credit
Closing costs$424 back
P&I payment$5,839/mo
Rate6.375%
APR6.375%
Points / credit$4,498 credit
Closing costs$3,117 back
P&I payment$5,871/mo

ELITE 10/6 ARM

Rate6.625%
APR6.844%
Points / credit2.792% · $14,518
Closing costs$15,954
P&I payment$3,330/mo
Rate6.750%
APR6.909%
Points / credit2.566% · $13,343
Closing costs$14,806
P&I payment$3,373/mo
Rate6.875%
APR6.982%
Points / credit2.424% · $12,605
Closing costs$14,094
P&I payment$3,416/mo

ELITE 7/6 ARM

Rate6.000%
APR6.483%
Points / credit2.869% · $14,919
Closing costs$16,219
P&I payment$3,118/mo
Rate6.125%
APR6.515%
Points / credit2.510% · $13,052
Closing costs$14,379
P&I payment$3,160/mo
Rate6.250%
APR6.558%
Points / credit2.257% · $11,736
Closing costs$13,091
P&I payment$3,202/mo

ELITE 5/6 ARM

Rate5.750%
APR6.438%
Points / credit2.967% · $15,428
Closing costs$16,674
P&I payment$3,035/mo
Rate5.875%
APR6.479%
Points / credit2.859% · $14,867
Closing costs$16,140
P&I payment$3,076/mo
Rate6.000%
APR6.517%
Points / credit2.728% · $14,186
Closing costs$15,486
P&I payment$3,118/mo
Rate6.125%
APR6.550%
Points / credit2.528% · $13,146
Closing costs$14,473
P&I payment$3,160/mo
Rate6.250%
APR6.584%
Points / credit2.344% · $12,189
Closing costs$13,543
P&I payment$3,202/mo
Rate6.375%
APR6.623%
Points / credit2.215% · $11,518
Closing costs$12,899
P&I payment$3,244/mo
Rate6.500%
APR6.660%
Points / credit2.067% · $10,748
Closing costs$12,157
P&I payment$3,287/mo
Rate6.625%
APR6.692%
Points / credit1.862% · $9,682
Closing costs$11,118
P&I payment$3,330/mo
Rate6.750%
APR6.725%
Points / credit1.660% · $8,632
Closing costs$10,095
P&I payment$3,373/mo

VA 5 Year ARM

Rate5.125%
APR5.703%
Points / credit2.497% · $12,984
Closing costs$14,095
P&I payment$2,831/mo
Rate5.250%
APR5.706%
Points / credit1.984% · $10,317
Closing costs$11,454
P&I payment$2,871/mo
Rate5.500%
APR5.796%
Points / credit1.886% · $9,807
Closing costs$10,999
P&I payment$2,953/mo
Rate5.625%
APR5.797%
Points / credit1.350% · $7,020
Closing costs$8,239
P&I payment$2,993/mo
Rate5.750%
APR5.806%
Points / credit0.911% · $4,737
Closing costs$5,983
P&I payment$3,035/mo

VA 3 Year ARM

Rate4.750%
APR5.710%
Points / credit2.799% · $14,555
Closing costs$15,584
P&I payment$2,713/mo
Rate5.000%
APR5.769%
Points / credit2.745% · $14,274
Closing costs$15,357
P&I payment$2,791/mo
Rate5.125%
APR5.761%
Points / credit2.300% · $11,960
Closing costs$13,070
P&I payment$2,831/mo
Rate5.250%
APR5.754%
Points / credit1.859% · $9,667
Closing costs$10,804
P&I payment$2,871/mo
Rate5.750%
APR5.866%
Points / credit1.695% · $8,814
Closing costs$10,060
P&I payment$3,035/mo

Principal and interest only. Taxes, insurance, HOA dues, and applicable mortgage insurance are not included unless specifically stated. Rates are examples based on the scenario above, subject to verification and market changes, and are not a commitment to lend.

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