Florida mortgage rates average 6.75%–7.25% for a 30-year fixed loan in 2026, with well-qualified borrowers accessing rates near the lower end of that range. Florida home prices range from approximately $270,000 in Pensacola to $575,000+ in Miami — making even small rate differences worth thousands over the life of a loan. FHA loans (3.5% down, 580+ credit) are available in all 16 Florida markets covered here, with the standard 2026 county limit of $498,257 applying across most of the state.
About Florida Mortgage Rates & Lenders 2026
Florida's housing market remains one of the most competitive in the country. With median home prices exceeding $400,000 in major metros and mortgage rates in flux, finding the right lender is the most important financial decision most Floridians will make.
Dreamy Leads compares mortgage lenders, FHA loan specialists, and refinance options across Jacksonville, Miami, Tampa, and Orlando. We work with NMLS-licensed loan officers who specialize in Florida's unique market, including condo financing restrictions, hurricane-zone insurance requirements, and state-specific down payment assistance programs.
Whether you're a first-time buyer exploring FHA loans with a 580 credit score, a move-up buyer comparing jumbo options in Miami, or a homeowner evaluating a cash-out refinance, our free matching service connects you with the right lender in under 60 seconds.
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Frequently Asked Questions
What are current mortgage rates in Florida?
As of April 2026, Florida 30-year fixed rates average approximately 6.49%, 15-year fixed rates average 5.79%, and FHA rates average 6.25%. Rates vary by lender, credit score, and loan-to-value ratio.
What is the FHA loan limit in Florida?
The 2026 FHA loan limit in most Florida counties is $498,257 for a single-family home. Higher-cost areas like Monroe County (Florida Keys) have limits up to $929,200.
Can I get a mortgage in Florida with a 580 credit score?
Yes. FHA loans accept credit scores as low as 580 with a 3.5% down payment. Some lenders will approve scores as low as 500 with a 10% down payment. Conventional loans typically require 620+.
How long does it take to close a mortgage in Florida?
Most Florida mortgage closings take 30–45 days from application to closing. FHA loans may take slightly longer (35–50 days) due to additional appraisal requirements. Some lenders offer 21-day closes for qualified buyers.
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Compare 30-year fixed rates and median home prices across 16 Florida cities — from Pensacola ($270K) to Miami ($575K+).