Current Mortgage Rates in Florida

Loan Trust announces current mortgage rates in Florida today and the current average 30-year fixed mortgage rate fell 7 basis points from 5.92% to 5.85% on Friday. See rates below for refinance rates in Florida today.  We offer the current mortgage rates in Orlando, current mortgage rates in Jacksonville, current mortgage rates in Miami, current mortgage rates in Tampa and the average mortgage rate in Florida and low Florida refinance rates.  Current mortgage rates Orlando Florida are available today and for over 100 other cities in Florida.

The 30-year fixed mortgage rate on December 2, 2022 is down 38 basis points from the previous week’s average rate of 6.23%.

Get access to refinance rates in Florida.  Loan Trust is the premiere lender for Florida refinance rates and for Today’s Mortgage Rates nationwide. 

Current Mortgage Rates FL

Loan Trust is the premiere mortgage lender for current mortgage rates in Florida for purchases and refinancing.  Our clients love seeing real time rates to compare and shop for the best rates in the marketplace.

Current Mortgage Rates Orlando

Today’s current mortgage rates in Orlando are lower than the national average and mortgage rates in Florida are lower than the national average mortgage rates. We offer no impact on credit score with soft pulls.  

Mortgage Rates Today Lowered

Budget-conscious homebuyers scrambled to lock in lower mortgage rates after rates last week experienced their largest single-day drop since 2009.

The volume of purchase mortgage applications increased 4% last week, according to the Mortgage Bankers Association, with the average rate on the 30-year fixed mortgage falling 60 basis points from 7.22% to 6.62% on Thursday, according to Mortgage Daily News, which tracks daily mortgage rates. The dramatic drop followed a decline in bond yields after October’s inflationary reading came in better than expected. With Current Mortgage Rates Today in Orlando and Current Mortgage Rates in Tampa dropping, homebuyers are getting off the fence.

Still, economic uncertainty and market volatility prompted some lenders to act conservatively before slashing rates, making it harder for buyers to capitalize on the decline.

“I got really excited on Friday, my current list of pre-approvals were going to be able to get a point and a half lower,” Adriana Perezchica, president of Via Real Estate Group in Washington State, told Yahoo Money. “But that all changed yesterday morning when my loan officer texted me she was afraid that interest rates will go back up this week.”

Last Thursday, Freddie Mac’s weekly rate survey, which captures rates from Monday to Wednesday and compares them with the previous week, reported that the average 30-year mortgage had topped 7%.

The report came on the same day the government released new consumer prices data — which showed inflation cooling — causing the yield on the 10-year Treasury to plunge by more than 32 basis points to 3.816%, below its recent average of 4%. Mortgage rates, which track the direction of the yield, soon followed, though most lenders “partially passed along” that decline, according to Keith Gumbinger, vice president of HSH.com.

“From what I can tell, that’s what’s happening at the moment,” Gumbinger told Yahoo Money last week. “If the Treasury rally proves more durable, mortgage rates could ease a bit from there… but there’s no way to know that at present.”

Since then, rates have moved sideways. As of Wednesday, rates had edged up to 6.64%, according to Mortgage Daily News. Still, it can be expensive for lenders to pass on all of those savings, especially if rates rise again.

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Mortgage Rates Florida

Listed below are the top 25 mortgage lender rates you can compare side by side.  Loan Trust offers transparency of the most competitive lenders for you so you don’t have to shop around.  We don’t sell your information to lenders like other company’s who market the best rates.  We actually will allow you see the best rates then we will make the loan for you as your mortgage broker or lender.  This could save you thousands or tens of thousands over the life of your loan. 

What Are Today’s Mortgage Rates?

Terms for Rates:  Today’s mortgage rates below are based on a $300,000 purchase transaction with 20% down to avoid private mortgage insurance.  These mortgage rates are based on the borrower having a 740 mortgage credit score. You will see the cost for points if charged and know that 1 point is equivalent to 1% of the loan amount.   Now is a good time to refinance rates in Florida or Purchasing your home.

     
     
     
     
     
     
     
     
LenderRateAPRMonthly Payment P/IPointsAS OF DECEMBER 2, 2022


NMLS #399802

6.000%


Loan Type 30 Year Fixed

6.309%

$1,439

Points .968

Cost $2,323

Click Here to See Current Mortgage Rates Today & Payments Based On Your Credit Score & Loan Amount in Real Time

NMLS #3030

6.000%


Loan Type 30 Year Fixed

6.325%

$1,439

Points 2.125

Cost $5,100

Click Here to See Current Mortgage Rates Today & Payments Based On Your Credit Score & Loan Amount in Real Time

NMLS #399801

6.000%


Loan Type 30 Year Fixed

6.493%

$1,439

Points 1.000

Cost $2,400

Click Here to See Current Mortgage Rates Today & Payments Based On Your Credit Score & Loan Amount in Real Time


NMLS #3821

5.500%


Loan Type 30 Year Fixed

5.619%

$1,362

Points 2.000

Cost $4,800

Click Here to See Current Mortgage Rates Today & Payments Based On Your Credit Score & Loan Amount in Real Time

NMLS #7872

6.000%


Loan Type 30 Year Fixed

6.309%

$1,439

Points 0.378

Cost $907

Click Here to See Current Mortgage Rates Today & Payments Based On Your Credit Score & Loan Amount in Real Time

NMLS #9612

6.000%


Loan Type 30 Year Fixed

6.254%

$1,439

Points 0.272

Cost $653

Click Here to See Current Mortgage Rates Today & Payments Based On Your Credit Score & Loan Amount in Real Time


NMLS #3038

5.500%


Loan Type 30 Year Fixed

5.789%

$1,362

Points: 2.000

Cost $4,800

Click Here to See Current Mortgage Rates Today & Payments Based On Your Credit Score & Loan Amount in Real Time

NMLS #303203

6.000%


Loan Type 30 Year Fixed

6.379%

$1,439

Points: .645

Cost $1,548

Click Here to See Current Mortgage Rates Today & Payments Based On Your Credit Score & Loan Amount in Real Time

NMLS #144760

6.000%


Loan Type 30 Year Fixed

6.399%

$1,439

Points: .426

Cost $1,022

Click Here to See Current Mortgage Rates Today & Payments Based On Your Credit Score & Loan Amount in Real Time

NMLS #1907538

6.000%


Loan Type 30 Year Fixed

6.432%

$1,439

Points: .225

Cost $540

Click Here to See Current Mortgage Rates Today & Payments Based On Your Credit Score & Loan Amount in Real Time

NMLS #411341

6.000%


Loan Type 30 Year Fixed

6.459%

$1,439

Points: .400

Cost $960

Click Here to See Current Mortgage Rates Today & Payments Based On Your Credit Score & Loan Amount in Real Time

NMLS #66247

6.000%


Loan Type 30 Year Fixed

6.602%

$1,439

Points: .546

Cost $1,310

Click Here to See Current Mortgage Rates Today & Payments Based On Your Credit Score & Loan Amount in Real Time

NMLS #790396

6.000%


Loan Type 30 Year Fixed

7.498%

$1,439

Points: .517

Cost $1,241

Click Here to See Current Mortgage Rates Today & Payments Based On Your Credit Score & Loan Amount in Real Time

NMLS #174457

6.000%


Loan Type 30 Year Fixed

6.531%

$1,439

Points: .633

Cost $1,519

Click Here to See Current Mortgage Rates Today & Payments Based On Your Credit Score & Loan Amount in Real Time

NMLS #53112

6.000%


Loan Type 30 Year Fixed

6.589%

$1,439

Points: .488

Cost $1,171

Click Here to See Current Mortgage Rates Today & Payments Based On Your Credit Score & Loan Amount in Real Time

NMLS #2143

6.000%


Loan Type 30 Year Fixed

6.594%

$1,439

Points: .512

Cost $1,229

Click Here to See Current Mortgage Rates Today & Payments Based On Your Credit Score & Loan Amount in Real Time

NMLS #3925

6.000%


Loan Type 30 Year Fixed

6.598%

$1,439

Points: .836

Cost $2,006

Click Here to See Current Mortgage Rates Today & Payments Based On Your Credit Score & Loan Amount in Real Time

NMLS #1121650

6.000%


Loan Type 30 Year Fixed

6.593%

$1,439

Points: .470

Cost $1,128

Click Here to See Current Mortgage Rates Today & Payments Based On Your Credit Score & Loan Amount in Real Time

NMLS #75243

6.000%


Loan Type 30 Year Fixed

6.642%

$1,439

Points: .367

Cost $881

Click Here to See Current Mortgage Rates Today & Payments Based On Your Credit Score & Loan Amount in Real Time

NMLS #1168

6.000%


Loan Type 30 Year Fixed

6.653%

$1,439

Points: .619

Cost $1,486

Click Here to See Current Mortgage Rates Today & Payments Based On Your Credit Score & Loan Amount in Real Time

NMLS #3277

6.000%


Loan Type 30 Year Fixed

6.671%

$1,439

Points: .837

Cost $2,009

Click Here to See Current Mortgage Rates Today & Payments Based On Your Credit Score & Loan Amount in Real Time

NMLS #81386

6.000%


Loan Type 30 Year Fixed

6.663%

$1,439

Points: .796

Cost $1,910

Click Here to See Current Mortgage Rates Today & Payments Based On Your Credit Score & Loan Amount in Real Time

NMLS #937783

6.000%


Loan Type 30 Year Fixed

6.604%

$1,439

Points: .405

Cost $972

Click Here to See Current Mortgage Rates Today & Payments Based On Your Credit Score & Loan Amount in Real Time

NMLS #433960

6.000%


Loan Type 30 Year Fixed

6.710%

$1,439

Points: .931

Cost $2,234

Click Here to See Current Mortgage Rates Today & Payments Based On Your Credit Score & Loan Amount in Real Time

Current Mortgage Rates in Orlando

Loan Trust is the premiere platform for home buyers and home owners to shop for the best mortgage rates in Florida.  Being headquartered in Orlando Florida, we definitely have an affinity to offer current mortgage rates in Orlando Florida. We’re premiere mortgage lender throughout the state of Florida for refinance rates in Florida, but we definitely have a geographical advantage in the Central Florida for mortgage lenders and mortgage brokers.  But our platform offers mortgage rates in Florida for all the majors cities such as Jacksonville, Miami, Orlando, Tampa, St. Petersburg, Hialeah, Port St. Lucie, Tallahassee, Cape Coral, Fort Lauderdale, Hollywood, Miramar, Gainesville, Coral Springs, Clearwater, Brandon, Palm Bay, Spring Hill, Pompano Beach, West Palm Beach, Lakeland, Boca Raton, Riverview, Sunrise, Deltona, Miami Beach,  Palm Coast, Largo, Fort Myers, Melbourne, The Villages, Pine Hills, Boynton Beach, Kendall, Kissimmee, Homestead, Delray Beach, Daytona Beach, Poinciana, Tamarac, Jupiter, Sanford, Ocala, Sarasota, Bradenton, St. Cloud, Coral Gables, Titusville, Winter Garden, Winter Park, Oviedo, Plant City and many others.  It easy to apply for Florida refinance rates by just clicking on any lender button above to access the refinance rates in Florida. We also recommend for passive real estate investing to check out the Capital Group Private Banking Division.

current mortgage rates Orlando

Lowest Mortgage Rate in Florida

The lowest mortgage rate in Florida can vary from lender to lender, but the lowest mortgage rate in  Florida  from our market research today for a 15 Year Fixed Conforming loan is listed below.

3.375% and 3.445% APR 15 Year Fixed

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Current Mortgage Rates Orlando

Loan Trust offers current mortgage rates Orlando programs for the entire Central Florida community.  Current mortgage rates for The Villages, , Inverness, Bushnell, Wildwood, Leesburg, Eustis, Mt Dora, Audubon Village, Clermont, DeLand, Sanford, New Smyrna Beach, Oak Hill, Mims, Titusville, Kissimmee, St Cloud, Davenport, Cocoa, Cocoa Beach, Melbourne, Palm Bay, Lakeland, Plant City, Winter Haven, Narcoossee, Lake Nona, Belle Isle, Doctor Phillips, Windermere, Four Corners, Polk City, Haines City, Winter Garden, Bithlo and Christmas.  Loan Trust is the premiere mortgage lender and mortgage broker in the Central Florida area.  We offer just about every loan program available for residential, commercial and business loans.  We are the premiere lender when searching for refinance rates in Florida and for obtaining the best Florida refinance rates.

01. Buying a Home

We reward money-saving real estate program for home buyers applying for a home loan…

We reward money-saving real estate program for home buyers…

02. Refinancing

Our clients love our refinance programs as rates change quickly during the home loan process…

We refinance our clients as rates change quickly and…

03. Credit Service

Credit is a crucial financial instrument used to help clients when applying for a home loan…

Credit is a financial instrument used to help clients…

Current Mortgage Rates Jacksonville FL

Loan Trust offers current mortgage rates in Jacksonville FL and all the nearby communities such as Fernandina Beach, Anthem Lakes, Cypress Village, Wells Creek, St. Johns, Orange Park, Yulee, Callahan, St. George, Baldwin, Neptune Beach, Atlantic Beach, Ponte Vedra Beach, Arlington Hills, Bellair Meadowbrook, Lakside, Fleming Island, Black Hammock Island and Nassau Village Ratliff.  It doesn’t take long for Floridians a transients to realize that we’re the premiere mortgage lender and mortgage broker in Florida and the Jacksonville Florida Community choice for mortgage rates in Jacksonville.  Click here to see our No Doc Mortgage Loans.

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Get approve with the best current mortgage rates Jacksonville FL has to offer.

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We constantly work on delivering the best mortgage loan services to our clients. Our loan officers will walk you through every step of the loan application and approval process – from answering questions, to closing your loan quickly.

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Loan Trust professionalism, knowledge and anytime access made my experience seamless and pleasant. I will certainly recommend your service...
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My experience with my loan officer Andre Little and Loan Trust, since the initial conversation with Andre, I knew he would help with my refinancing process....
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I highly recommend Andre if your refinancing or purchasing a new home. With his expertise and advice, you can't go wrong! I can't count the number of times I had question...
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How We Help You Get The Best Mortgage Rate

Loan Trust believes that the more we educate consumers and give them the knowledge of the mortgage industry, then they will be in a better financial position to qualify for the best mortgage rate available in the marketplace. Most people aren’t aware that mortgage rates can change daily and throughout the day depending on the market volatility on a variety of factors.  But there are some aspects that can determine the consumers mortgage rate that is in their control based upon their personal situation.  We know and want consumers to know that the difference in mortgage rates can cost tens of thousands and possible hundreds of thousands of dollars in interest cost over the life of the mortgage loan.  Listed below are some of the recommendations and what we offer at Loan Trust to help our clients find the best mortgage rate.

  1. Shop Mortgage Lenders:  Although utilizing your real estate agent to help you with the lender they work with to get you approved for a mortgage loan is a source, but it doesn’t mean you’re getting the best mortgage rates.   Most agents work with mortgage lenders that they have a track record with that has proven to get loans approved, but real estate agents are necessarily shopping to find you the lowest interest rate on your mortgage.  Actually, they’re reluctant to work with lenders that they aren’t familiar with because they want to make sure the house sells and closes, after all that is the only way they’re compensated for their work.  What we do here at Loan Trust, we do the shopping for you and let you see what’s in the marketplace.  Basically, we buy the money in the marketplace wholesale and lend it retail to offer you low competitive rates.
  2. Compare Lender Fees & Points:  Unless you have experience and are knowledgeable of the industry, then you might not be aware that you have to pay along with mortgage interest, fees, points and closing cost that factor in the overall cost of the mortgage loan.  We recommend that when you choose a lender, compare official Loan Estimates (LE) and pay attention to the lowest interest rate and lowest annual percentage rate (APR).  This is a measuring tool that will give you confidence that you’re getting one of the best rates in the marketplace for your personal situation.
  3. Larger Down Payments:  Most consumers aren’t aware that mortgage rates are calculated from a lenders perspective on Risks Factors.   Lenders have less risks if you invest more by putting a larger down payment.   This lesser risk can impact your mortgage rate and put you in a lower risk tier especially if you put 20% or more down.  This is why most lenders require mortgage insurance if you don’t put 20% down.  All the mortgage insurance does is protect the lender up to a certain amount if you default on the loan.  It’s will not protect you the borrower, but it will allow you to qualify for a larger loan by putting less money down.
  4. Improve Your Credit Mortgage Score:  Your credit score is definitely the major determining factor of what rate the lender will offer you and generally, the higher your credit score, the lower the mortgage interest rate will be for your mortgage loan.   Noticed that we mentioned “Mortgage Credit Score”, because most consumers aren’t aware that there is a different model used for scoring on mortgage credit scores than what is used for a typical FICO 8 scoring model for consumer credit such as credit cards and auto loans.
  5. Explore Different Types of Mortgage Programs:  The 30-year fixed rate mortgage is the most common type of home loan, but there are additional mortgage options that may be more beneficial depending on your situation. For example, if you require a lower interest rate, adjustable-rate mortgages (ARM) offer a variable rate that may be initially lower than a 30-year fixed rate option but adjusts after a set period of time (usually 3, 5, 7 or 10 years). Given that ARM loans are variable, the interest rate could end up being higher than with a 30-year fixed rate mortgage that has a locked-in mortgage rate. A 15-year fixed rate mortgage, on the other hand, may offer a lower interest rate that won’t fluctuate like an ARM loan but requires a higher monthly payment compared to a 30-year fixed rate mortgage. Consider all your options and choose the home loan that is most comfortable for you.
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Stay tuned for the hottest news and the latest updates! With our app you will always have a chance to see new offers and loan rate changes.  We not only help you get access to current mortgage  rates Orlando Florida online, but current mortgage rates Florida are available for the entire state. Our app offers VA LoansFHA Loans, USDA Loans, for Purchases and Refinancing. Get tips on how to apply for a home loan and down payment assistance programs. Use Loan Trust App an stay mobile and trendy!

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13,426

Issued Loans

75+

Mortgage Loan Programs

11,893

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Applying For A Home Loan Is A Fast & Easy Application Process with Loan Trust!

Step 1

Choose Loan Amount

It is recommended to look for homes that cost no more than three to five times their annual household income.
Step 1
Step 2

Get Your Loan Approved

Get all of the paperwork required to complete the purchase, including your loan documents.
Step 2
Step 3

Get Your Cash for New Home Purchase

Once all previous steps are done, you are ready to get funds and move into your new home soon!
Step 3

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We would like to serve all of your real estate financial needs and have you as  a client for life.  We do residential  and commercial real estate loans.  We also lend in Maryland for residential loans. To find out the hottest housing markets in the country click here.

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