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20-Year Fixed Conforming Mortgage Refinance

Florida 20-Year Fixed Mortgage Refinance Rates 2025

Compare Florida 20-Year Fixed Conforming Mortgage Refinance 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.

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Florida 20-Year Fixed Conforming Mortgage Refinance

May 1, 2025
Average: 6.90% APR

Advertiser Disclosure

Lender	APR	Rate (%)	Monthly Payment^?
Mortgage X, LLC NMLS ID: 2569359	5.908% 20 Yr Fixed	5.750% Fees & Points $4,221 Total 0.977 Pts: $3,126 $1,095 Fees	$2,247	Learn More See Table View
Saxton Mortgage NMLS ID: 1717191	6.029% 20 Yr Fixed	5.875% Fees & Points $4,075 Total 0.880 Pts: $2,816 $1,259 Fees	$2,270	Learn More See Table View
District Lending NMLS ID: 1835285	6.039% 20 Yr Fixed	5.875% Fees & Points $4,256 Total 0.830 Pts: $2,656 $1,600 Fees	$2,270	Learn More See Table View
RockBottom Mortgage LLC NMLS ID: 1141327 License#: MBR1498	6.106% 20 Yr Fixed	5.990% Fees & Points $2,995 Total 0.936 Pts: $2,995 $0 Fees	$2,291	Learn More See Table View
Pure Rate Mortgage NMLS ID: 2578474	6.122% 20 Yr Fixed	5.990% Fees & Points $3,405 Total 0.736 Pts: $2,355 $1,050 Fees	$2,291	Learn More See Table View
GenNext.Mortgage NMLS ID: 2326098 License#: MLD2448	6.143% 20 Yr Fixed	5.990% Fees & Points $4,148 Total 0.686 Pts: $2,195 $1,953 Fees	$2,291	Learn More See Table View
CrossCountry Mortgage NMLS ID: 3029	6.152% 20 Yr Fixed	5.990% Fees & Points $4,345 Total 0.811 Pts: $2,595 $1,750 Fees	$2,291	Learn More See Table View
Midwest Mortgage Lending NMLS ID: 2262032 License#: MBR5350	6.180% 20 Yr Fixed	6.000% Fees & Points $4,650 Total 0.625 Pts: $2,000 $2,650 Fees	$2,293	Learn More See Table View
PenFed Credit Union NMLS ID: 401822	6.232% 20 Yr Fixed	6.000% Fees & Points $6,000 Total 0.875 Pts: $2,800 $3,200 Fees	$2,293	Learn More See Table View
Lending Haus LLC NMLS ID: 2634590	6.244% 20 Yr Fixed	6.125% Fees & Points $3,162 Total 0.957 Pts: $3,062 $100 Fees	$2,316	Learn More See Table View
Ready Rate NMLS ID: 2154342 License#: FL - MLD2280	6.371% 20 Yr Fixed	6.125% Fees & Points $6,337 Total 0.607 Pts: $1,942 $4,395 Fees	$2,316	Learn More See Table View
Our Family Mortgage NMLS ID: 2529004	6.654% 20 Yr Fixed	6.500% Fees & Points $4,050 Total 0.750 Pts: $2,400 $1,650 Fees	$2,386	Learn More See Table View
Refi.com NMLS ID: 1907 License#: Florida	6.697% 20 Yr Fixed	6.625% Fees & Points $1,802 Total 0.563 Pts: $1,802 $0 Fees	$2,410	Learn More See Table View
Agave Home Loans NMLS ID: 1951574 License#: MLD2545	6.983% 20 Yr Fixed	6.875% Fees & Points $2,860 Total 0.832 Pts: $2,662 $198 Fees	$2,458	Learn More See Table View
Green Lending, LLC NMLS ID: 2598612	7.989% 20 Yr Fixed	7.875% Fees & Points $2,952 Total 0.607 Pts: $1,942 $1,010 Fees	$2,652	Learn More See Table View
Freedom Mortgage Corporation NMLS ID: 2767	We approve credit scores as low as 550 for VA and FHA refinancing Family-owned, 35+ years of cash out assistance A top FHA and VA lender Over three million customers nationwide 20 Yr Fixed			Learn More
Veterans United Home Loans NMLS ID: 1907	Use your VA Loan benefits to get cash from your home equity Get a personalized quote fast with instant uploads and 24/7 access Over 300,000 verified 5-star reviews 20 Yr Fixed			Learn More
Beeline Loans, Inc. NMLS ID: 1799947	Apply in less than 10 minutes. Fast, stress-free closing in as little as 14 days More loan types so you’re more likely to qualify "The smoothest refi experience I’ve ever had" - TR, Houston 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 04/25/2025	6.57%	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
Apco Employees 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 Refinance Rates 2025

Florida 20-Year Fixed Conforming Mortgage Refinance

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