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Refinancing in Florida
Looking to refinance in Florida? Compare the latest FL mortgage rates, lower your monthly payments, and access cash from your home with our simple refinance options.
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Best Mortgage Loan Programs in Florida | Lower Your Rate
Explore the best Florida home loan programs for purchase or refinance. Flexible options for first-time buyers and experienced homeowners alike.
01
30 Year Fixed Rate
Reliable refinancing with steady monthly payments and long-term stability. The 30-year fixed rate is the most popular mortgage option for homeowners.
02
15 Year Fixed Rate
Pay off your home faster with lower interest costs. A 15-year fixed rate provides stability, savings, and quicker equity growth.
03
FHA Loans
Low down payments and flexible terms make FHA loans ideal for first-time buyers and refinancers. Affordable and accessible.
04
Adjustable-Rate (ARM)
Start with lower monthly payments and flexible terms. ARMs offer 5-, 7-, or 10-year options for an affordable refinance or purchase.
05
Jumbo Loans
Start with lower monthly payments and flexible terms. ARMs offer 5-, 7-, or 10-year options for an affordable refinance or purchase.
06
VA Loans
Exclusive benefits for veterans and military families. VA loans offer low rates, no PMI, and trusted refinancing or purchase solutions.
Florida's Real Estate Market
Florida's housing market is experiencing a shift in 2025. The median home price has decreased to approximately $410,000, down from $427,000 in 2024. Inventory levels have risen, with active listings increasing by 24.2% year-over-year, reaching over 115,000 properties. Homes are spending more time on the market, with the median days on market rising to 86 days, up from 78 days last year. Despite these changes, certain areas, particularly luxury markets like Miami, remain competitive, with over 50% of homes priced above $1 million being purchased with cash.
About American Federal Mortgage
American Federal Mortgage, founded in 1987 in Clifton, NJ, has grown into one of the nation’s largest privately held mortgage bankers by combining award-winning service with some of the most competitive rates available. For over thirty years, our honest, efficient, and low-cost approach has earned a reputation for excellence and helped countless Florida homeowners achieve the American Dream. While technology now allows borrowers to complete the mortgage process entirely online, our experienced loan officers still deliver personalized guidance every step of the way.
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