No application feeSame-day pre-approval available
Competitive Florida mortgage rates. See for yourself. Enter your numbers below.
FREE MORTGAGE CALCULATOR
We’ll combine these answers with your down payment, credit range and property details to show your estimated payment, rate, APR and cash to close using current available pricing.
Loan type
Complete your scenario to see your estimated payment, rate, APR and cash needed.
You’ll see
This calculator assumes a one-unit property in Orange County, Florida. Loan limits and costs may differ in other counties.
Instant estimate. No contact information required.
Updating your estimate…
Free to use. No application, Social Security number or credit pull required.
FLORIDA MORTGAGE RATES
Compare rates closest to par with lower-rate options that include discount points.
RATE SCENARIO
This scenario illustrates the pricing shown. Edit the scenario to personalize the results. It is not an approval, commitment to lend or rate lock.
Showing details below
30-YEAR FIXED
Closest to Par
Pricing closest to $0 in points or lender credit.
RATE6.750%APR6.809%Lender credit: 0.125 pointsEstimated principal & interest$2,594/mo30-year fixed · Approximately 360 monthly P&I payments of $2,594.Showing details below
30-YEAR FIXED
Lower Rate
A lower rate bought down with discount points.
RATE6.374%APR6.550%Discount points: 1.229Estimated principal & interest$2,495/mo30-year fixed · Approximately 360 monthly P&I payments of $2,495.Principal and interest excludes property taxes and homeowners insurance; actual monthly payments will be greater. Estimated initial monthly payments include modeled property taxes, homeowners insurance and applicable mortgage insurance, and exclude HOA/CDD dues and flood insurance unless entered.
Not sure which option makes more sense?
Have Mortgage Expert compare the upfront cost, monthly savings and break-even period.
Pricing checked 08/28/2026 · May change or be unavailable at commitment or closing · Not a rate lock.
Showing: Closest to Par. Select the other card to see its details.
Break-even is the approximate time needed for the lower monthly payment to recover the added upfront cost.
30-year fixed · Approximately 360 monthly P&I payments of $2,594 · 20% down · Taxes and insurance estimated · HOA excluded unless entered · 30-day lock · Pricing source effective 08/28/2026 · Florida planning estimate — not a commitment to lend or a rate lock
No private mortgage insurance applies at this loan-to-value.
Estimated cash needed is the modeled amount due at closing — the down payment, estimated closing costs, prepaids and escrow setup, and any discount points or lender credit. It is more than closing costs alone. HOA dues are not included in the estimated monthly payment unless you enter them; this pricing model does not estimate them.
Florida properties only. Planning estimates from the imported Florida mortgage pricing for the scenario shown, which can change until a rate is locked. Not a loan approval, a commitment to lend, or a rate lock. Final terms depend on a complete application, underwriting, credit, income, assets, property type, appraised value and program eligibility.
FAST WHEN IT MATTERS
14business days
With a complete file and a responsive team, eligible loans may close in as little as 14 business days. Not a guarantee.
CLEAR PRICING. RESPONSIVE SERVICE. BUILT TO MOVE QUICKLY.
With a complete file and a responsive team, eligible loans may close in as little as 14 business days.
START HERE
Choose your path to explore payments, loan options and next steps—without starting an application.
LOAN OPTIONS
Compare Conventional, FHA and VA financing for your next home.
01 · 1 of 3
Flexible financing for primary homes, second homes and investment properties, including eligible 3% down options.
Down payment, mortgage insurance and eligibility requirements vary.
02 · 2 of 3
Eligible borrowers may purchase a primary home with as little as 3.5% down.
Mortgage insurance applies. Eligibility and lender requirements vary.
Government-backed financing with flexible credit and down-payment guidelines.
03 · 3 of 3
Eligible veterans, service members and surviving spouses may purchase a primary home with 0% down and no monthly mortgage insurance.
VA eligibility and funding-fee rules apply.
Programs are subject to credit approval, eligibility, property requirements and change without notice. This is not a commitment to lend.
BORROWER OUTCOMES
Real borrowers. Real closings. See what clients say across the web.
“Super communicative and willing to answer all my questions.”
“Worked with Shahram for our mortgage. He did a fantastic job. He beat even the most competitive offer from other banks and helped us lock a rate before they shot up. Super communicative and willing to answer all my questions. Overall a very easy experience and we were very pleased with his professionalism and expertise.”
“His experience and years of expertise helped greatly move my first home buying experience along smooth and simple.”
“Shahram and his group are fantastic. Quick working, straight to it! His experience and years of expertise helped greatly move my first home buying experience along smooth and simple. Will refer him to all friends and family”
Customer experiences are individual. Mortgage rates and outcomes depend on the borrower, property, market and timing.
Read more client stories → (opens in a new tab)READ MORE REVIEWS ON
MORTGAGE TOOLS
Check today's rates, estimate a payment, see what price fits your budget, and weigh whether paying points is worth it.
Pricing appears after your scenario is checked.
See today's Florida rates for your scenario — rate, APR, points and payment on the option closest to par and the lowest rate within 1.250 points.
Open the Florida Rate FinderPoints vs. payment break-even
MORTGAGE QUESTIONS
Get general Florida mortgage guidance from Mortgage Expert, or explore the questions borrowers ask most.
Have a mortgage question?Send your question to Mortgage Expert and a licensed Florida mortgage professional will follow up shortly.
Do not include Social Security numbers, account numbers, passwords or other sensitive information.
Clear answers to the questions Florida borrowers ask most.
YOUR NEXT STEP
Share the basics and Mortgage Expert will help you compare the next step—without starting an application.
No application feesNo credit pull required to startFlorida mortgage guidance
Tell us what you’re planning and Mortgage Expert will help you take the next step.
