Discover Florida Mortgage Rates & Home Loans

Beach at sunset.

Start your search for low Florida mortgage rates on the ForTheBestRate.com’ mortgage rate tables. Many of the companies represented have been working with the residents of the Sunshine State for many years. Most understand the complexities of this subtropical market including the threat of hurricanes, fast paced real estate market, and high percentage of second homes. So, if you are looking to buy a townhouse in the Keys, a second home along a golf course in Central Florida, or a condo on the Gulf Coast, research Florida refinance and purchase programs to get the job done at ForTheBestRate.com.

How the rate tables on ForTheBestRate.com work

Everday we receive interest rate information from a third party provider. The mortgage rates, closing costs, and APR information provided in the table is submitted directly by the various mortgage lenders, brokers and banks. We are not responsible for the accuracy of the rates supplied by the financial institutions. Rates may vary for multiple reasons such as the type of properties being financed (i.e. stick built homes, condominiums, manufactured homes, etc), how the owners plan to occupy the property (i.e. owner occupied, second home, or investment property), or multiple of other reasons. You can use the product dropdown tool to navigate between various fixed rate (30,20,15, and 10 year) and adjustable rate solutions (3/1, 5/1, and 7/1 ARMs). You can also view jumbo mortgage rates by entering in a non-conforming loan amount in the relevant field in the survey. We encourage you to speak with multiple mortgage companies directly to verify whether or not you may qualify for the listed pricing.

Want to research Florida mortgage companies through different outlets? Use the following sites to learn more about mortgage brokers and lenders serving the State of Florida as well as down payment assistance programs offered in the region.

Large Miami condo buildingFlorida Housing Finance Corporation – website
227 North Bronough Street Suite 5000 Talahassee, FL 32301 PH: (850) 488-4197

HUD has a very comprehensive list of Housing Authorities in the State of Florida organized by area. You may be able to find more information on specific home buyer assistance programs in your area there – visit site

Homeownership assistance progam information for various FL cities and counties– Another useful page from the HUD website. Find information on Florida Homeownership Assistance. Statewide and regional programs available – more information

St Pete Teachers Mortgage Assistance Program – program information

Florida Office of Financial Regulationwebsite
200 E. Gaines Street Tallahassee, FL 32399 PH: (850) 487-9687

Mortgage Bankers Association of Florida – website
P.O. Box 607826 Orlando, FL 32860 PH: (407) 290-9404

Florida Association of Mortgage Brokers – website
1292 Cedar Center Dr Tallahassee, Florida 32301 PH: (850) 942-6411

Popular Mortgage Programs Offered By Companies in the Rate Tables

  • Fixed Rate Mortgages – Rates stay fixed for the lives of the loans. Most popular options are 30 and 15 year home loans but are also available in 20 and 10 year terms.
  • Adjustable Rate Mortgages – These loans often have low introductory rates which remain in place for a set number of years. Most lenders offer adjustable rate mortgages with 3, 5, 7, and 10 year introductory rate periods. After the introductory rate periods end, rates then adjustable up or down based upon the loans’ margins, caps, and the indexes which the loans are tied to.
  • Jumbo Loans – You can find jumbo mortgage pricing in the rate tables by typing in a corresponding loan amounts. Jumbo loans are used to finance loan amounts which exceed areas’ conforming loan limits. Many lenders offer jumbo loans in 30 and 15 year fixed rate terms as well as several adjustable rate options.
  • FHA Loans – FHA mortgages are low down payment home loans which are available through lenders approved by the Federal Housing Administration. FHA pricing may not be on display in the tables at this time. You may need to contact the various mortgage companies directly to see if they’re offering FHA financing.