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20-Year Fixed Conforming Mortgage

Florida 20-Year Fixed Mortgage Rates 2025

Compare Florida 20-Year Fixed Conforming Mortgage rates with a loan amount of $320,000. Use the search box below to change the mortgage product or the loan amount. Click the lender name to view more information. Mortgage rates are updated daily.

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Florida 20-Year Fixed Conforming Mortgage

December 2, 2025
Average: 6.51% APR

Advertiser Disclosure

Lender	APR	Rate (%)	Monthly Payment^?
Veterans United Home Loans NMLS ID: 1907	You can buy with 0% down, no PMI and more Run your numbers and get a snapshot of your buying power VA loans have the lowest avg rate on the market (Data from Optimal Blue) 20 Yr Fixed		$0	Learn More
District Lending NMLS ID: 1835285	5.496% 20 Yr Fixed	5.375% Fees & Points $3,193 Total 0.842 Pts: $2,694 $499 Fees	$2,179	Learn More See Table View
Surety Home Loans NMLS ID: 1981224	5.579% 20 Yr Fixed	5.500% Fees & Points $2,077 Total 0.649 Pts: $2,077 $0 Fees	$2,202	Learn More See Table View
Reliant Home Loans NMLS ID: 1945532	5.623% 20 Yr Fixed	5.375% Fees & Points $6,674 Total 0.714 Pts: $2,285 $4,389 Fees	$2,179	Learn More See Table View
Pure Rate Mortgage NMLS ID: 2578474	5.649% 20 Yr Fixed	5.500% Fees & Points $3,930 Total 0.900 Pts: $2,880 $1,050 Fees	$2,202	Learn More See Table View
Cities Home Mortgage Corp NMLS ID: 170509 License#: MBR3574	5.722% 20 Yr Fixed	5.500% Fees & Points $5,943 Total 0.750 Pts: $2,400 $3,543 Fees	$2,202	Learn More See Table View
Western Capital Lending LLC NMLS ID: 1816986	5.739% 20 Yr Fixed	5.500% Fees & Points $6,310 Total 0.972 Pts: $3,110 $3,200 Fees	$2,202	Learn More See Table View
Foundation Home Loans, LLC NMLS ID: 2559614	5.767% 20 Yr Fixed	5.625% Fees & Points $3,720 Total 0.850 Pts: $2,720 $1,000 Fees	$2,224	Learn More See Table View
Next Step Lending NMLS ID: 1881674	5.787% 20 Yr Fixed	5.625% Fees & Points $4,250 Total 1.000 Pts: $3,200 $1,050 Fees	$2,224	Learn More See Table View
Novum Home Loans LLC NMLS ID: 2487386	5.789% 20 Yr Fixed	5.625% Fees & Points $4,300 Total 1.000 Pts: $3,200 $1,100 Fees	$2,224	Learn More See Table View
Ready Rate NMLS ID: 2154342 License#: FL - MLD2280	5.806% 20 Yr Fixed	5.500% Fees & Points $8,100 Total 0.972 Pts: $3,110 $4,990 Fees	$2,202	Learn More See Table View
Asset Mutual Mortgage, Inc NMLS ID: 184303	5.869% 20 Yr Fixed	5.750% Fees & Points $3,101 Total 0.969 Pts: $3,101 $0 Fees	$2,247	Learn More See Table View
Pro Mortgage Funding LLC NMLS ID: 2119829	5.872% 20 Yr Fixed	5.750% Fees & Points $3,195 Total 0.625 Pts: $2,000 $1,195 Fees	$2,247	Learn More See Table View
Bergen Mortgage Enterprise LLC NMLS ID: 1897215 License#: MBR3293	5.873% 20 Yr Fixed	5.750% Fees & Points $3,200 Total 1.000 Pts: $3,200 $0 Fees	$2,247	Learn More See Table View
Ameristreets Mortgage LLC NMLS ID: 2555251 License#: Florida	6.025% 20 Yr Fixed	5.875% Fees & Points $4,003 Total 0.875 Pts: $2,800 $1,203 Fees	$2,270	Learn More See Table View
PenFed Credit Union NMLS ID: 401822	6.029% 20 Yr Fixed	5.875% Fees & Points $3,995 Total 0.625 Pts: $2,000 $1,995 Fees	$2,270	Learn More See Table View
New American Funding, LLC. NMLS ID: 6606	6.117% 20 Yr Fixed	6.000% Fees & Points $3,027 Total 0.946 Pts: $3,027 $0 Fees	$2,293	Learn More See Table View
Veterans United Home Loans NMLS ID: 1907	Get home in 2025 with a 0% down VA Loan Score your prequalification anytime with 24/7 online tools Save more with competitive VA rates and no PMI Backed by over 300,000 verified 5-star reviews 20 Yr Fixed			Learn More
Neighbors Bank NMLS ID: 491986	As low as 0% down options & down payment assistance Minimum 620 credit score needed to prequalify 96% of borrowers would recommend Neighbors Bank 20 Yr Fixed			Learn More
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
U.s. Bank National Association Updated 05/07/2023	5.97%	5.75% 0.57 points $0.00 fees	$2,246.67	Learn MoreShow Less See Table View
Pnc Bank, National Association Updated 10/04/2022	6.11%	5.88% 0.00 points $3,210.00 fees	$2,269.56	Learn MoreShow Less See Table View
Charles Schwab Bank, Ssb Updated 11/28/2025	5.81%	6.13% 2.00 points $3,210.00 fees	$2,317.20	Learn MoreShow Less See Table View
Citibank, National Association Updated 06/15/2022	6.38%	6.25% 0.13 points $2,739.00 fees	$2,338.97	Learn MoreShow Less See Table View
Southern Energy Credit Union Updated 03/27/2024 Restrictions	6.59%	6.50% 0.00 points $2,013.00 fees	$2,385.83	Learn MoreShow Less See Table View
Tower Credit Union Updated 06/15/2022 Restrictions	7.06%	6.88% 0.00 points $0.00 fees	$2,457.96	Learn MoreShow Less See Table View
Grow Financial Credit Union Updated 06/15/2022 Restrictions	7.29%	7.00% 0.00 points $0.00 fees	$2,480.96	Learn MoreShow Less See Table View
Atlanta Postal Credit Union Updated 06/15/2022 Restrictions	7.16%	7.13% 0.00 points $3,394.00 fees	$2,505.02	Learn MoreShow Less See Table View
United Nations Credit Union Updated 06/15/2022 Restrictions	7.16%	7.13% 0.00 points $2,784.00 fees	$2,505.99	Learn MoreShow Less See Table View
State Employees Cu Of Maryland, Inc Credit Union Updated 06/15/2022 Restrictions	7.19%	7.13% 0.00 points $2,784.00 fees	$2,505.99	Learn MoreShow Less See Table View
Suncoast Schools Credit Union Updated 06/15/2022 Restrictions	7.30%	7.25% 0.00 points $0.00 fees	$2,529.20	Learn MoreShow Less See Table View
Space Coast Credit Union Updated 06/15/2022 Restrictions	7.44%	7.25% 0.00 points $2,374.00 fees	$2,529.20	Learn MoreShow Less See Table View
Virginia Credit Union, Inc., Credit Union Updated 06/15/2022 Restrictions	7.41%	7.38% 0.38 points $2,784.00 fees	$2,554.47	Learn MoreShow Less See Table View
Citizens Equity First Credit Union Updated 06/15/2022 Restrictions	7.52%	7.50% 0.00 points $2,936.00 fees	$2,577.90	Learn MoreShow Less See Table View
Truist Bank Updated 06/15/2022	8.27%	8.00% 0.00 points $3,658.00 fees	$2,676.61	Learn MoreShow Less See Table View
Axos Bank Updated 06/15/2022	8.41%	8.38% 0.00 points $3,658.00 fees	$2,752.78	Learn MoreShow Less See Table View
Data provided by BestCashCow

Advertiser Disclosure: The lenders whose rates and other terms appear on this chart are ICB's advertising partners. They provide their rate information to our data partner RateUpdate.com. Unless adjusted by the consumer, advertisers are sorted by APR from lowest to highest. For any advertising partners that do not provide their rate they are listed in advertisement display units at the bottom of the chart. Advertising partners may not pay to improve the frequency priority or prominence of their display. The interest rates, annual percentage rates and other terms advertised here are estimates provided by those advertising partners based on the information you entered above and do not bind. Any lender Monthly payment amounts stated do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater if taxes and insurance are included. Although our data partner RateUpdate.com collects the information from the financial institutions themselves, the accuracy of the data cannot be guaranteed. Rates may change without notice and can change intraday. Some of the information contained in the rate tables including but not limited to special marketing notes is provided directly by the lenders. Please verify the rates and offers before applying for a loan with the financial institution themselves. No rate is binding until locked by a lender.

¹ Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Rates from this table are based on loan amount of $320,000 and a variety of factors including credit score and loan to value ratios. Rates may change at any time and are not guaranteed to be correct. For specific requirements please check with the lender.

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Florida 20-Year Fixed Mortgage Rates 2025

Florida 20-Year Fixed Conforming Mortgage

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