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Florida Refinance Rates
Florida Refinance Rates shows today's refinance rates in Florida. Find and compare the best FL refinance rates and save money on your mortgage payments.
Following are the refinance rates from 10 Florida lenders. Updated: October 08, 2026.
Today's Refinance Rates (Florida)
| Lender | Rate / APR | Payment / Fees |
|---|---|---|
|
Reliant Home Funding, Inc.
30-Year Fixed
|
6.75%
APR: 6.92%
|
$3,243 /mo
$1,995 (1.365 Pts)
|
|
District Lending
30-Year Fixed
|
6.75%
APR: 6.96%
|
$3,243 /mo
$5,463 (1.125 Pts)
|
|
Novum Home Loans LLC
30-Year Fixed
|
6.75%
APR: 7.00%
|
$3,243 /mo
$5,305 (1.500 Pts)
|
|
Gateway Capital Mortgage
30-Year Fixed
|
6.75%
APR: 7.00%
|
$3,243 /mo
$5,330 (1.500 Pts)
|
|
Pro Mortgage Funding LLC
30-Year Fixed
|
6.88%
APR: 7.10%
|
$3,285 /mo
$5,195 (1.258 Pts)
|
|
Salute Mortgage, LLC
30-Year Fixed
|
6.99%
APR: 7.12%
|
$3,324 /mo
$1,228 (1.087 Pts)
|
|
River City Mortgage LLC
30-Year Fixed
|
6.99%
APR: 7.15%
|
$3,324 /mo
$1,050 (1.450 Pts)
|
|
DECO Mortgage
30-Year Fixed
|
6.99%
APR: 7.17%
|
$3,324 /mo
$1,900 (1.432 Pts)
|
|
American Federal Mortgage Corporation
30-Year Fixed
|
7.00%
APR: 7.13%
|
$3,327 /mo
$541 (1.225 Pts)
|
|
Strength Financial
30-Year Fixed
|
7.00%
APR: 7.13%
|
$3,327 /mo
$1,195 (1.105 Pts)
|
Mortgage Refinance Calculator |
||||||
New Monthly Payment: |
$1,717.03 | |||||
Payoff Date: |
Sep, 2041 | |||||
Closing Cost: |
$0.00 | |||||
Other Expenses: |
$0.00 | |||||
Interest Savings: |
$113,360.84 | |||||
Total Savings: |
$113,360.84 | |||||
Mortgage Refinance Amortization Schedule |
||||||
| Payment Date | Payment # | Interest Paid | Principal Paid | Total Payment | Remaining Balance | |
|---|---|---|---|---|---|---|
| Oct, 2026 | 1 | $1,045.00 | $672.03 | $1,717.03 | $199,327.97 | |
| Nov, 2026 | 2 | $1,041.49 | $675.54 | $1,717.03 | $198,652.44 | |
| Dec, 2026 | 3 | $1,037.96 | $679.07 | $1,717.03 | $197,973.37 | |
| Jan, 2027 | 4 | $1,034.41 | $682.62 | $1,717.03 | $197,290.75 | |
| Feb, 2027 | 5 | $1,030.84 | $686.18 | $1,717.03 | $196,604.57 | |
| Mar, 2027 | 6 | $1,027.26 | $689.77 | $1,717.03 | $195,914.80 | |
| Apr, 2027 | 7 | $1,023.65 | $693.37 | $1,717.03 | $195,221.43 | |
| May, 2027 | 8 | $1,020.03 | $696.99 | $1,717.03 | $194,524.44 | |
| Jun, 2027 | 9 | $1,016.39 | $700.64 | $1,717.03 | $193,823.80 | |
| Jul, 2027 | 10 | $1,012.73 | $704.30 | $1,717.03 | $193,119.50 | |
| Aug, 2027 | 11 | $1,009.05 | $707.98 | $1,717.03 | $192,411.53 | |
| Sep, 2027 | 12 | $1,005.35 | $711.68 | $1,717.03 | $191,699.85 | |
| Oct, 2027 | 13 | $1,001.63 | $715.39 | $1,717.03 | $190,984.45 | |
| Nov, 2027 | 14 | $997.89 | $719.13 | $1,717.03 | $190,265.32 | |
| Dec, 2027 | 15 | $994.14 | $722.89 | $1,717.03 | $189,542.43 | |
| Jan, 2028 | 16 | $990.36 | $726.67 | $1,717.03 | $188,815.76 | |
| Feb, 2028 | 17 | $986.56 | $730.46 | $1,717.03 | $188,085.30 | |
| Mar, 2028 | 18 | $982.75 | $734.28 | $1,717.03 | $187,351.02 | |
| Apr, 2028 | 19 | $978.91 | $738.12 | $1,717.03 | $186,612.90 | |
| May, 2028 | 20 | $975.05 | $741.97 | $1,717.03 | $185,870.93 | |
| Jun, 2028 | 21 | $971.18 | $745.85 | $1,717.03 | $185,125.08 | |
| Jul, 2028 | 22 | $967.28 | $749.75 | $1,717.03 | $184,375.33 | |
| Aug, 2028 | 23 | $963.36 | $753.67 | $1,717.03 | $183,621.66 | |
| Sep, 2028 | 24 | $959.42 | $757.60 | $1,717.03 | $182,864.06 | |
| Oct, 2028 | 25 | $955.46 | $761.56 | $1,717.03 | $182,102.50 | |
| Nov, 2028 | 26 | $951.49 | $765.54 | $1,717.03 | $181,336.96 | |
| Dec, 2028 | 27 | $947.49 | $769.54 | $1,717.03 | $180,567.42 | |
| Jan, 2029 | 28 | $943.46 | $773.56 | $1,717.03 | $179,793.85 | |
| Feb, 2029 | 29 | $939.42 | $777.60 | $1,717.03 | $179,016.25 | |
| Mar, 2029 | 30 | $935.36 | $781.67 | $1,717.03 | $178,234.58 | |
| Apr, 2029 | 31 | $931.28 | $785.75 | $1,717.03 | $177,448.83 | |
| May, 2029 | 32 | $927.17 | $789.86 | $1,717.03 | $176,658.98 | |
| Jun, 2029 | 33 | $923.04 | $793.98 | $1,717.03 | $175,864.99 | |
| Jul, 2029 | 34 | $918.89 | $798.13 | $1,717.03 | $175,066.86 | |
| Aug, 2029 | 35 | $914.72 | $802.30 | $1,717.03 | $174,264.56 | |
| Sep, 2029 | 36 | $910.53 | $806.49 | $1,717.03 | $173,458.06 | |
| Oct, 2029 | 37 | $906.32 | $810.71 | $1,717.03 | $172,647.36 | |
| Nov, 2029 | 38 | $902.08 | $814.94 | $1,717.03 | $171,832.41 | |
| Dec, 2029 | 39 | $897.82 | $819.20 | $1,717.03 | $171,013.21 | |
| Jan, 2030 | 40 | $893.54 | $823.48 | $1,717.03 | $170,189.73 | |
| Feb, 2030 | 41 | $889.24 | $827.79 | $1,717.03 | $169,361.94 | |
| Mar, 2030 | 42 | $884.92 | $832.11 | $1,717.03 | $168,529.83 | |
| Apr, 2030 | 43 | $880.57 | $836.46 | $1,717.03 | $167,693.37 | |
| May, 2030 | 44 | $876.20 | $840.83 | $1,717.03 | $166,852.54 | |
| Jun, 2030 | 45 | $871.80 | $845.22 | $1,717.03 | $166,007.32 | |
| Jul, 2030 | 46 | $867.39 | $849.64 | $1,717.03 | $165,157.68 | |
| Aug, 2030 | 47 | $862.95 | $854.08 | $1,717.03 | $164,303.61 | |
| Sep, 2030 | 48 | $858.49 | $858.54 | $1,717.03 | $163,445.07 | |
| Oct, 2030 | 49 | $854.00 | $863.03 | $1,717.03 | $162,582.04 | |
| Nov, 2030 | 50 | $849.49 | $867.54 | $1,717.03 | $161,714.50 | |
| Dec, 2030 | 51 | $844.96 | $872.07 | $1,717.03 | $160,842.44 | |
| Jan, 2031 | 52 | $840.40 | $876.62 | $1,717.03 | $159,965.81 | |
| Feb, 2031 | 53 | $835.82 | $881.21 | $1,717.03 | $159,084.61 | |
| Mar, 2031 | 54 | $831.22 | $885.81 | $1,717.03 | $158,198.80 | |
| Apr, 2031 | 55 | $826.59 | $890.44 | $1,717.03 | $157,308.36 | |
| May, 2031 | 56 | $821.94 | $895.09 | $1,717.03 | $156,413.27 | |
| Jun, 2031 | 57 | $817.26 | $899.77 | $1,717.03 | $155,513.50 | |
| Jul, 2031 | 58 | $812.56 | $904.47 | $1,717.03 | $154,609.03 | |
| Aug, 2031 | 59 | $807.83 | $909.19 | $1,717.03 | $153,699.84 | |
| Sep, 2031 | 60 | $803.08 | $913.94 | $1,717.03 | $152,785.89 | |
| Oct, 2031 | 61 | $798.31 | $918.72 | $1,717.03 | $151,867.17 | |
| Nov, 2031 | 62 | $793.51 | $923.52 | $1,717.03 | $150,943.65 | |
| Dec, 2031 | 63 | $788.68 | $928.35 | $1,717.03 | $150,015.31 | |
| Jan, 2032 | 64 | $783.83 | $933.20 | $1,717.03 | $149,082.11 | |
| Feb, 2032 | 65 | $778.95 | $938.07 | $1,717.03 | $148,144.04 | |
| Mar, 2032 | 66 | $774.05 | $942.97 | $1,717.03 | $147,201.06 | |
| Apr, 2032 | 67 | $769.13 | $947.90 | $1,717.03 | $146,253.16 | |
| May, 2032 | 68 | $764.17 | $952.85 | $1,717.03 | $145,300.31 | |
| Jun, 2032 | 69 | $759.19 | $957.83 | $1,717.03 | $144,342.48 | |
| Jul, 2032 | 70 | $754.19 | $962.84 | $1,717.03 | $143,379.64 | |
| Aug, 2032 | 71 | $749.16 | $967.87 | $1,717.03 | $142,411.77 | |
| Sep, 2032 | 72 | $744.10 | $972.93 | $1,717.03 | $141,438.85 | |
| Oct, 2032 | 73 | $739.02 | $978.01 | $1,717.03 | $140,460.84 | |
| Nov, 2032 | 74 | $733.91 | $983.12 | $1,717.03 | $139,477.72 | |
| Dec, 2032 | 75 | $728.77 | $988.26 | $1,717.03 | $138,489.46 | |
| Jan, 2033 | 76 | $723.61 | $993.42 | $1,717.03 | $137,496.04 | |
| Feb, 2033 | 77 | $718.42 | $998.61 | $1,717.03 | $136,497.44 | |
| Mar, 2033 | 78 | $713.20 | $1,003.83 | $1,717.03 | $135,493.61 | |
| Apr, 2033 | 79 | $707.95 | $1,009.07 | $1,717.03 | $134,484.54 | |
| May, 2033 | 80 | $702.68 | $1,014.34 | $1,717.03 | $133,470.19 | |
| Jun, 2033 | 81 | $697.38 | $1,019.64 | $1,717.03 | $132,450.55 | |
| Jul, 2033 | 82 | $692.05 | $1,024.97 | $1,717.03 | $131,425.57 | |
| Aug, 2033 | 83 | $686.70 | $1,030.33 | $1,717.03 | $130,395.25 | |
| Sep, 2033 | 84 | $681.32 | $1,035.71 | $1,717.03 | $129,359.53 | |
| Oct, 2033 | 85 | $675.90 | $1,041.12 | $1,717.03 | $128,318.41 | |
| Nov, 2033 | 86 | $670.46 | $1,046.56 | $1,717.03 | $127,271.85 | |
| Dec, 2033 | 87 | $665.00 | $1,052.03 | $1,717.03 | $126,219.82 | |
| Jan, 2034 | 88 | $659.50 | $1,057.53 | $1,717.03 | $125,162.29 | |
| Feb, 2034 | 89 | $653.97 | $1,063.05 | $1,717.03 | $124,099.24 | |
| Mar, 2034 | 90 | $648.42 | $1,068.61 | $1,717.03 | $123,030.63 | |
| Apr, 2034 | 91 | $642.84 | $1,074.19 | $1,717.03 | $121,956.44 | |
| May, 2034 | 92 | $637.22 | $1,079.80 | $1,717.03 | $120,876.63 | |
| Jun, 2034 | 93 | $631.58 | $1,085.45 | $1,717.03 | $119,791.19 | |
| Jul, 2034 | 94 | $625.91 | $1,091.12 | $1,717.03 | $118,700.07 | |
| Aug, 2034 | 95 | $620.21 | $1,096.82 | $1,717.03 | $117,603.25 | |
| Sep, 2034 | 96 | $614.48 | $1,102.55 | $1,717.03 | $116,500.70 | |
| Oct, 2034 | 97 | $608.72 | $1,108.31 | $1,717.03 | $115,392.39 | |
| Nov, 2034 | 98 | $602.93 | $1,114.10 | $1,717.03 | $114,278.29 | |
| Dec, 2034 | 99 | $597.10 | $1,119.92 | $1,717.03 | $113,158.36 | |
| Jan, 2035 | 100 | $591.25 | $1,125.77 | $1,717.03 | $112,032.59 | |
| Feb, 2035 | 101 | $585.37 | $1,131.66 | $1,717.03 | $110,900.93 | |
| Mar, 2035 | 102 | $579.46 | $1,137.57 | $1,717.03 | $109,763.37 | |
| Apr, 2035 | 103 | $573.51 | $1,143.51 | $1,717.03 | $108,619.85 | |
| May, 2035 | 104 | $567.54 | $1,149.49 | $1,717.03 | $107,470.36 | |
| Jun, 2035 | 105 | $561.53 | $1,155.49 | $1,717.03 | $106,314.87 | |
| Jul, 2035 | 106 | $555.50 | $1,161.53 | $1,717.03 | $105,153.34 | |
| Aug, 2035 | 107 | $549.43 | $1,167.60 | $1,717.03 | $103,985.74 | |
| Sep, 2035 | 108 | $543.33 | $1,173.70 | $1,717.03 | $102,812.04 | |
| Oct, 2035 | 109 | $537.19 | $1,179.83 | $1,717.03 | $101,632.20 | |
| Nov, 2035 | 110 | $531.03 | $1,186.00 | $1,717.03 | $100,446.21 | |
| Dec, 2035 | 111 | $524.83 | $1,192.20 | $1,717.03 | $99,254.01 | |
| Jan, 2036 | 112 | $518.60 | $1,198.42 | $1,717.03 | $98,055.59 | |
| Feb, 2036 | 113 | $512.34 | $1,204.69 | $1,717.03 | $96,850.90 | |
| Mar, 2036 | 114 | $506.05 | $1,210.98 | $1,717.03 | $95,639.92 | |
| Apr, 2036 | 115 | $499.72 | $1,217.31 | $1,717.03 | $94,422.61 | |
| May, 2036 | 116 | $493.36 | $1,223.67 | $1,717.03 | $93,198.94 | |
| Jun, 2036 | 117 | $486.96 | $1,230.06 | $1,717.03 | $91,968.88 | |
| Jul, 2036 | 118 | $480.54 | $1,236.49 | $1,717.03 | $90,732.39 | |
| Aug, 2036 | 119 | $474.08 | $1,242.95 | $1,717.03 | $89,489.44 | |
| Sep, 2036 | 120 | $467.58 | $1,249.44 | $1,717.03 | $88,240.00 | |
| Oct, 2036 | 121 | $461.05 | $1,255.97 | $1,717.03 | $86,984.03 | |
| Nov, 2036 | 122 | $454.49 | $1,262.54 | $1,717.03 | $85,721.49 | |
| Dec, 2036 | 123 | $447.89 | $1,269.13 | $1,717.03 | $84,452.36 | |
| Jan, 2037 | 124 | $441.26 | $1,275.76 | $1,717.03 | $83,176.60 | |
| Feb, 2037 | 125 | $434.60 | $1,282.43 | $1,717.03 | $81,894.17 | |
| Mar, 2037 | 126 | $427.90 | $1,289.13 | $1,717.03 | $80,605.04 | |
| Apr, 2037 | 127 | $421.16 | $1,295.87 | $1,717.03 | $79,309.17 | |
| May, 2037 | 128 | $414.39 | $1,302.64 | $1,717.03 | $78,006.54 | |
| Jun, 2037 | 129 | $407.58 | $1,309.44 | $1,717.03 | $76,697.09 | |
| Jul, 2037 | 130 | $400.74 | $1,316.28 | $1,717.03 | $75,380.81 | |
| Aug, 2037 | 131 | $393.86 | $1,323.16 | $1,717.03 | $74,057.65 | |
| Sep, 2037 | 132 | $386.95 | $1,330.08 | $1,717.03 | $72,727.57 | |
| Oct, 2037 | 133 | $380.00 | $1,337.02 | $1,717.03 | $71,390.55 | |
| Nov, 2037 | 134 | $373.02 | $1,344.01 | $1,717.03 | $70,046.54 | |
| Dec, 2037 | 135 | $365.99 | $1,351.03 | $1,717.03 | $68,695.50 | |
| Jan, 2038 | 136 | $358.93 | $1,358.09 | $1,717.03 | $67,337.41 | |
| Feb, 2038 | 137 | $351.84 | $1,365.19 | $1,717.03 | $65,972.22 | |
| Mar, 2038 | 138 | $344.70 | $1,372.32 | $1,717.03 | $64,599.90 | |
| Apr, 2038 | 139 | $337.53 | $1,379.49 | $1,717.03 | $63,220.41 | |
| May, 2038 | 140 | $330.33 | $1,386.70 | $1,717.03 | $61,833.71 | |
| Jun, 2038 | 141 | $323.08 | $1,393.95 | $1,717.03 | $60,439.76 | |
| Jul, 2038 | 142 | $315.80 | $1,401.23 | $1,717.03 | $59,038.53 | |
| Aug, 2038 | 143 | $308.48 | $1,408.55 | $1,717.03 | $57,629.98 | |
| Sep, 2038 | 144 | $301.12 | $1,415.91 | $1,717.03 | $56,214.07 | |
| Oct, 2038 | 145 | $293.72 | $1,423.31 | $1,717.03 | $54,790.77 | |
| Nov, 2038 | 146 | $286.28 | $1,430.74 | $1,717.03 | $53,360.02 | |
| Dec, 2038 | 147 | $278.81 | $1,438.22 | $1,717.03 | $51,921.80 | |
| Jan, 2039 | 148 | $271.29 | $1,445.74 | $1,717.03 | $50,476.07 | |
| Feb, 2039 | 149 | $263.74 | $1,453.29 | $1,717.03 | $49,022.78 | |
| Mar, 2039 | 150 | $256.14 | $1,460.88 | $1,717.03 | $47,561.89 | |
| Apr, 2039 | 151 | $248.51 | $1,468.52 | $1,717.03 | $46,093.38 | |
| May, 2039 | 152 | $240.84 | $1,476.19 | $1,717.03 | $44,617.19 | |
| Jun, 2039 | 153 | $233.12 | $1,483.90 | $1,717.03 | $43,133.29 | |
| Jul, 2039 | 154 | $225.37 | $1,491.66 | $1,717.03 | $41,641.63 | |
| Aug, 2039 | 155 | $217.58 | $1,499.45 | $1,717.03 | $40,142.18 | |
| Sep, 2039 | 156 | $209.74 | $1,507.28 | $1,717.03 | $38,634.90 | |
| Oct, 2039 | 157 | $201.87 | $1,515.16 | $1,717.03 | $37,119.74 | |
| Nov, 2039 | 158 | $193.95 | $1,523.08 | $1,717.03 | $35,596.66 | |
| Dec, 2039 | 159 | $185.99 | $1,531.03 | $1,717.03 | $34,065.63 | |
| Jan, 2040 | 160 | $177.99 | $1,539.03 | $1,717.03 | $32,526.60 | |
| Feb, 2040 | 161 | $169.95 | $1,547.08 | $1,717.03 | $30,979.52 | |
| Mar, 2040 | 162 | $161.87 | $1,555.16 | $1,717.03 | $29,424.36 | |
| Apr, 2040 | 163 | $153.74 | $1,563.28 | $1,717.03 | $27,861.08 | |
| May, 2040 | 164 | $145.57 | $1,571.45 | $1,717.03 | $26,289.63 | |
| Jun, 2040 | 165 | $137.36 | $1,579.66 | $1,717.03 | $24,709.96 | |
| Jul, 2040 | 166 | $129.11 | $1,587.92 | $1,717.03 | $23,122.05 | |
| Aug, 2040 | 167 | $120.81 | $1,596.21 | $1,717.03 | $21,525.83 | |
| Sep, 2040 | 168 | $112.47 | $1,604.55 | $1,717.03 | $19,921.28 | |
| Oct, 2040 | 169 | $104.09 | $1,612.94 | $1,717.03 | $18,308.34 | |
| Nov, 2040 | 170 | $95.66 | $1,621.37 | $1,717.03 | $16,686.98 | |
| Dec, 2040 | 171 | $87.19 | $1,629.84 | $1,717.03 | $15,057.14 | |
| Jan, 2041 | 172 | $78.67 | $1,638.35 | $1,717.03 | $13,418.79 | |
| Feb, 2041 | 173 | $70.11 | $1,646.91 | $1,717.03 | $11,771.87 | |
| Mar, 2041 | 174 | $61.51 | $1,655.52 | $1,717.03 | $10,116.35 | |
| Apr, 2041 | 175 | $52.86 | $1,664.17 | $1,717.03 | $8,452.18 | |
| May, 2041 | 176 | $44.16 | $1,672.86 | $1,717.03 | $6,779.32 | |
| Jun, 2041 | 177 | $35.42 | $1,681.60 | $1,717.03 | $5,097.72 | |
| Jul, 2041 | 178 | $26.64 | $1,690.39 | $1,717.03 | $3,407.33 | |
| Aug, 2041 | 179 | $17.80 | $1,699.22 | $1,717.03 | $1,708.10 | |
| Sep, 2041 | 180 | $8.92 | $1,708.10 | $1,717.03 | $0.00 | |
Mortgage vs. Refinance |
||||||
| Original | Mortgage Refinance | |||||
| Monthly Payment | $1,315.43 | $1,717.03 | ||||
| Total Interest | $222,425.62 | $109,064.78 | ||||
| Total Principal | $200,000.00 | $200,000.00 | ||||
| Total Payment | $422,425.62 | $309,064.78 | ||||
| Closing Cost | $0 | $0.00 | ||||
| Other Expenses | $0 | $0.00 | ||||
| Total Interest Savings | $0 | $113,360.84 | ||||
| Total Savings | $0 | $113,360.84 | ||||
| Payoff Date | Jul, 2053 | Sep, 2041 | ||||
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