Current Florida mortgage rates for FHA, VA, USDA, conventional, and jumbo loans. Updated regularly.
Written by Renzo Johnson, Licensed MLO · NMLS #PENDING · Last updated: February 2026
- Rates change daily — contact us for today’s actual rates
- FHA rates: typically 0.125-0.25% below conventional
- VA rates: generally the lowest available rates
- USDA rates: competitive with FHA, set by approved lenders
- Conventional rates: based on credit score, LTV, and loan amount
- Jumbo rates: may be slightly higher than conforming
- Points: 1 discount point = 1% of loan amount, reduces rate ~0.25%
- APR includes rate + fees — use APR to compare loan offers
- Rate lock: 30-60 days typical (longer locks cost more)
- Get your personalized rate quote