Florida mortgage rates
Your rate. Your payment. Your call.
Compare the whole deal—not just the rate.
See estimated payments, cash to close, and the cost of each option without giving me your name or phone number.
No application. No credit pull. No name or phone number required.
Real pricing · Illustrative Florida scenario
A Florida mortgage rate
example.
Good place to start · Conventional
Estimated total includes taxes and homeowners insurance.
$6,610Estimated closing costs
$650 upfront for this rate0.125 points
Closing costs include the rate cost above. Down payment and $5,975 in prepaids & escrows are separate.
$650,000 purchase · 20% down ($130,000) · $520,000 loan
780–799 credit · Primary residence · Single-family
30-year fixed · 30-day lock · Florida
Updated once each business day, usually around 12:00 p.m. ET. Weekend rates reflect the most recently published Friday pricing.
30-year fixed · Approximately 360 monthly principal-and-interest payments of $3,330. This principal & interest amount excludes property taxes, homeowners insurance, HOA/CDD dues, flood insurance and other property-specific costs; your actual total monthly payment will be higher.
Rates may change or be unavailable at commitment or closing. Not a loan approval, commitment, Loan Estimate or rate lock.
See payment assumptions and disclosures
30-year fixed · Approximately 360 monthly principal-and-interest payments of $3,330. This principal & interest amount excludes property taxes, homeowners insurance, HOA/CDD dues, flood insurance and other property-specific costs; your actual total monthly payment will be higher. Estimated payment includes modeled property taxes and homeowners insurance; HOA/CDD and flood insurance are excluded unless entered.
Illustrative Florida estimates. Rates and pricing may change and may not be available at commitment or closing. Not a loan approval, commitment to lend, Loan Estimate or rate lock.
I could show you a lower rate by making you pay more upfront. That’s not the point. I’d rather show you a sensible place to start and let you decide.
Want to see your rate and payment?
Change the numbers and take my pricing for a test drive.
01 / Your numbers
Rate calculator: take my pricing
for a test drive.
Change the price, down payment or credit range. Try Conventional, FHA or VA. Then move the rate and see what happens to your payment and the money you’ll need at closing.
Nothing gets sent to me unless you decide you want my help.
See the example options02 / Rate tradeoffs
See what each rate really costs.
Compare the payment, upfront rate cost, and cash to close side by side. Then choose what works for you.
Illustrative example
Conventional · 30-year fixed · 780–799 credit
$650,000 purchase · 20% down
Send your selected rate and both reference options for my review.
· May change or be unavailable at commitment or closing · Not a rate lock.
Loan assumptions, pricing & disclosures
- Loan purpose
- Purchase
- Purchase price
- $650,000
- Down payment
- 20% · $130,000
- Base loan amount
- $520,000
- Total financed loan
- $520,000
- Payment calculated on
- Base loan amount
- Property taxes (annual)
- $8,125 · planning default · 1.25% of purchase price
- Homeowners insurance (annual)
- $2,400 · planning default · $2,400/year
- Term
- 30-year fixed
- Credit range
- 780–799
- Occupancy
- Primary residence
- Property type
- Single-family
- State
- Florida
- Lock period
- 30-day lock
The most common starting point for a borrower with an established credit profile. Mortgage insurance applies above 80% loan-to-value and ends under the applicable rules.
No private mortgage insurance applies at this loan-to-value.
Closest to Par is the available rate whose pricing is closest to zero. Lower Rate is the lowest available rate with borrower-paid discount points at or below 1.250.
Estimated cash needed includes the down payment, modeled closing costs, prepaids, escrow setup, and the discount points or lender credit for the option.
Illustrative Florida estimate. Not an offer, approval, commitment to lend, Loan Estimate or rate lock.
Every figure on this page is calculated by the same pricing engine used for a real scenario review — not typed in, not averaged from a survey, and not a live market feed.
Closest to Par: The available rate whose pricing is closest to zero — the smallest amount of discount points or lender credit in either direction. It is not claimed to be exactly par, because on most sheets no rate prices at exactly zero.
Lower Rate: The lowest available rate whose borrower-paid discount points are at or below 1.250. A rate above that cap is never shown here, and when no rate qualifies the option says so rather than repeating the first one.
Everything else: APR, estimated payment and estimated cash to close are produced for each option by the same functions, on the same scenario, so the two columns are always comparable to each other.
The simple break-even compares additional upfront rate cost with estimated monthly principal-and-interest savings. It does not include taxes, insurance, mortgage insurance, HOA, inflation, tax effects, opportunity cost, prepayment, sale, refinancing, or future rate changes.
Shahram’s take
Why I show
my pricing.
If I’m confident in my pricing, why would I be afraid to let you see it?
I intentionally run a lean mortgage brokerage so I can price aggressively. I’d rather do more loans, take good care of people and earn the next referral than make every possible dollar on one transaction.
Play with the numbers. If you like what you see, call me.
Shahram Sondi Florida mortgage broker
Shop around. I mean it.
Have a mortgage quote?
Good. Let’s compare it.
Send it to me. I’ll compare it apples to apples — same loan, same rate, same upfront cost and the same lock period. I’ll check the payment and closing costs, too.
I’ve been doing mortgages since 2001. I’ll compete hard on price. The loan still has to work, and it still has to close.
Tell me you have a quote. I’ll tell you how to send it.
Your mortgage rate lock
Found the rate.
Now when do you lock it?
Rates can change daily, sometimes more than once. I can’t promise where they’re going tomorrow. Nobody can.
I can watch the market, look at your closing date and help you decide whether to lock or float.
If you like what you see, call me. Once I know the full scenario, I can check whether another way to structure it fits you better.
Call Shahram (407) 906-6414 ↗Sending a request is an inquiry, not a mortgage application or credit authorization. Pre-approval requires further review.
Keep comparing
Use the rate as a starting point.
The useful next step depends on whether you need a program comparison, a payment estimate, or help reading the cost of an offer.
Compare rate paths
Model the decision
A little more context
Mortgage rate questions.
Straight answers.
How often are these rates updated?
Pricing is normally reviewed and updated once each business day, Monday through Friday, around 12:00 p.m. Eastern Time. Rates shown on Saturday and Sunday use the most recently published Friday pricing because wholesale mortgage markets are closed on weekends. New Monday pricing is normally published around noon Eastern Time. Holidays, market conditions, lender availability, or operational timing can delay an update. The exact ‘Pricing checked’ timestamp on this page shows when the displayed pricing was last updated.
What is the difference between rate and APR?
The interest rate is the percentage cost of borrowing the principal and is what your monthly principal and interest is calculated from. APR is a broader annualized measure that combines the interest rate with certain loan charges, including points and some fees. APR can help compare borrowing cost, but it is not your monthly payment and it does not include every amount due at closing.
What are discount points?
Discount points are an upfront charge paid in exchange for a lower interest rate. One point equals 1% of the loan amount. A lender credit is the same mechanism in reverse: a higher rate that returns money toward closing costs. Both are shown on this page in points and in dollars.
Why do mortgage rates change?
The underlying wholesale pricing moves with the bond market, which reacts to inflation data, Federal Reserve policy expectations and investor demand for mortgage-backed securities. Those conditions move pricing for everyone. Your credit profile, loan-to-value, program, term, occupancy and loan amount are what move your rate relative to it.
Do I need an application to see my rate?
No. Everything on this page — including the scenario you enter yourself — is calculated in your browser from the answers you select. No application is started, no contact information is required and no credit is pulled to see an estimate.
Are these rates guaranteed?
No. They are estimates for the scenario described, calculated from imported wholesale pricing. They are not an approval, not a commitment to lend and not a rate lock. Your final terms depend on a complete application, verified information and the pricing available when you lock.
What affects my Florida mortgage rate?
Credit profile, down payment or equity, loan program and term, occupancy and property type, loan amount, and whether the rate carries discount points or a lender credit. In Florida, property taxes, homeowners and wind insurance and any flood requirement change the payment and the cash to close, though not the rate itself.
How does a rate lock work?
A rate lock holds a specified rate and pricing for a stated period, as long as the loan closes within that period and the facts supporting the lock do not materially change. Every scenario on this page is priced on a 30-day lock. Other lock periods are available and price differently, and extending a lock may cost money. Your Loan Estimate shows whether the rate is locked and when the lock expires.
· Illustrative Florida estimate — not a commitment to lend or a rate lock.
Calculated from the latest available imported wholesale pricing for Florida. Not a real-time market feed, not an approval, not a commitment to lend and not a rate lock. Estimates assume a single-family primary residence in Florida on a 30-day lock unless the scenario states otherwise.