Florida mortgage rates November 12, 2026: lower rate, higher APR
On November 12, 2026 at 12:10 PM ET, RateVerdict priced a $400,000 30-year fixed Florida refinance with 780+ credit: 6.125% came with $17,420 in points and a 6.570% APR, higher than the 6.534% APR on 6.250%, and the rate closest to $0 at closing was 6.750% (6.791% APR) (source: RateVerdict Florida rate table).
The short answer for November 12, 2026
RateVerdict priced one Florida loan at 12:10 PM ET on Thursday, November 12, 2026: a $400,000 30-year fixed refinance with a credit score of 780 or higher, priced against dozens of lenders (source: RateVerdict Florida rate table, as of November 12, 2026, 12:10 PM ET).
The rate closest to $0 at closing was 6.750%, with a 6.791% APR and $500 in points. The top of the table was 6.125%, with a 6.570% APR and $17,420 in points (same source and time).
A lower rate with a higher APR
Usually, a lower rate has a lower APR. Florida's Thursday table had an exception at the top. 6.125% came with 4.355 points, or $17,420, and a 6.570% APR. One step up, 6.250% came with $10,988 in points and a 6.534% APR (source: RateVerdict Florida rate table, as of November 12, 2026, 12:10 PM ET).
The APR counts the points as a cost of borrowing. Buying the lower rate cost $6,432 more at closing, and that extra cost outweighed the 0.125% lower rate in the APR math.
What that means for a quote
- When a quote shows a low rate, look at the APR and the points in dollars next to it.
- If a lower rate carries a higher APR than the rate above it, the up-front cost is doing a lot of the work.
- Points make more sense the longer you keep the loan. If you may sell or refinance again soon, a rate with fewer points may cost less overall.
Thursday's full Florida table
Every rate RateVerdict kept for the sample loan, each with its APR and its cost or credit at closing.
Today's Florida table shows every rate with its APR and its cost or credit in dollars, no sign-up needed.
See today's Florida rates| Rate | APR | Points | Cost or credit at closing |
|---|---|---|---|
| 6.125% | 6.570% | 4.355 | $17,420 cost |
| 6.250% | 6.534% | 2.747 | $10,988 cost |
| 6.375% | 6.597% | 2.026 | $8,104 cost |
| 6.500% | 6.669% | 1.438 | $5,752 cost |
| 6.625% | 6.690% | 0.375 | $1,500 cost |
| 6.750% | 6.791% | 0.125 | $500 cost |
| 6.875% | 6.905% | -0.412 | $1,648 credit |
| 7.000% | 7.020% | -0.811 | $3,244 credit |
| 7.125% | 7.170% | -1.217 | $4,868 credit |
| 7.250% | 7.271% | -1.464 | $5,856 credit |
| 7.375% | 7.405% | -2.053 | $8,212 credit |
| 7.500% | 7.520% | -2.444 | $9,776 credit |
A Florida rule worth knowing
Florida charges documentary stamp tax on a recorded mortgage at 35 cents for each $100 of the debt it secures. At that rate, a $400,000 mortgage carries $1,400 in documentary stamp tax (source: Fla. Stat. 201.08(1)(b)). That tax is separate from the points in the table.
See today's rate for your scenario
This post is one sample loan on one day. The Florida rate table on this site shows the current weekday table, and the Florida rate history page keeps past weekday snapshots. To compare states, see mortgage rates by state. To price your own balance, home value and credit range, use the rate tool on this site, with every rate shown beside its APR.
Common questions
What was the 30-year fixed refinance rate closest to $0 at closing in Florida on November 12, 2026?
It was 6.750% with a 6.791% APR and $500 in points for the $400,000 Florida sample refinance with 780+ credit (source: RateVerdict Florida rate table, November 12, 2026, 12:10 PM ET).
Why did 6.125% have a higher APR than 6.250% in Florida on November 12, 2026?
6.125% came with $17,420 in points, against $10,988 for 6.250%. The APR counts points, so the extra cost pushed its APR to 6.570%, above 6.534% (source: RateVerdict Florida rate table).
Should I compare mortgage quotes by rate or by APR?
Use both, plus the dollars at closing. The rate sets your interest, the APR shows the yearly cost with points and certain fees, and the dollar figure shows what you pay or receive at closing.
How much is Florida documentary stamp tax on a $400,000 mortgage?
Florida taxes a recorded mortgage at 35 cents for each $100 of the debt it secures, which is $1,400 on $400,000 (source: Fla. Stat. 201.08(1)(b)).
Are the points in the table the same as closing costs?
No. Points are what you pay to buy a rate, or receive as a credit. Other closing costs, such as title, appraisal and taxes, are separate and are not in the table.
See today's Florida rates
Today's Florida table shows every rate with its APR and its cost or credit in dollars, no sign-up needed.
Sources
- RateVerdict, Florida mortgage rates today (weekday midday snapshot)as of November 12, 2026, 12:10 PM ET
- RateVerdict, Florida mortgage rate historyas of November 12, 2026 snapshot
- RateVerdict, mortgage rates by stateas of November 12, 2026
- RateVerdict, rate tool for your own loanas of November 12, 2026
- Fla. Stat. 201.08(1)(b)as of checked October 2026
This article is educational and is not an offer to lend, a rate lock, or a commitment to lend. Rates and terms depend on a complete application and are subject to credit approval, underwriting, and program guidelines. Any figure shown comes from our pricing engines or a cited source with its as-of date. See how we get our numbers on the methodology page.
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