Florida mortgage rates November 13, 2026: a price that held
On November 13, 2026 at 12:10 PM ET, RateVerdict priced a $400,000 30-year fixed Florida refinance with 780+ credit and the rate closest to $0 at closing was 6.750% (6.791% APR) with $500 in points, the exact price it carried on November 12 (source: RateVerdict Florida rate table and history).
The short answer for November 13, 2026
RateVerdict priced one Florida loan at 12:10 PM ET on Friday, November 13, 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 13, 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 6.250%, with a 6.662% APR and $16,004 in points (same source and time).
The same price two days running
Florida's rate closest to $0 at closing was 6.750% on both Thursday and Friday, with $500 in points and a 6.791% APR each day (source: RateVerdict Florida rate history, November 12 and 13, 2026).
A price that holds to the dollar from one day to the next is not the usual pattern. In most of the states in today's daily posts, the same rate came with a different price on Friday.
What did move: the top of the table
On Thursday the Florida table started at 6.125% (6.570% APR, $17,420 cost). On Friday it started at 6.250% (6.662% APR, $16,004 in points, or 4.001 points) (source: RateVerdict Florida rate history and rate table).
Florida was the only one of the nine states in today's daily posts whose table started above 6.125% on Friday (source: RateVerdict state rate tables, November 13, 2026).
| Day priced | Rate closest to $0 | APR | Cost or credit at closing | Top of the table |
|---|---|---|---|---|
| Fri, Nov 13 | 6.750% | 6.791% | $500 cost | 6.250% (6.662% APR, $16,004 cost) |
| Thu, Nov 12 | 6.750% | 6.791% | $500 cost | 6.125% (6.570% APR, $17,420 cost) |
Friday'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 |
|---|---|---|---|
| 6.250% | 6.662% | 4.001 | $16,004 cost |
| 6.375% | 6.621% | 2.297 | $9,188 cost |
| 6.500% | 6.692% | 1.675 | $6,700 cost |
| 6.625% | 6.765% | 1.095 | $4,380 cost |
| 6.750% | 6.791% | 0.125 | $500 cost |
| 6.875% | 6.908% | -0.275 | $1,100 credit |
| 7.000% | 7.042% | -0.547 | $2,188 credit |
| 7.125% | 7.169% | -0.947 | $3,788 credit |
| 7.250% | 7.271% | -1.043 | $4,172 credit |
| 7.375% | 7.405% | -1.608 | $6,432 credit |
| 7.500% | 7.521% | -1.996 | $7,984 credit |
| 7.625% | 7.646% | -2.475 | $9,900 credit |
A Florida tax on the new mortgage
Florida charges documentary stamp tax on a recorded mortgage at 35 cents for each $100 of the debt it secures. On a $400,000 mortgage, that is $1,400, separate from the points in the table (source: Fla. Stat. 201.08(1)(b)).
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 13, 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 13, 2026, 12:10 PM ET).
Did the Florida rate closest to $0 change from November 12 to November 13, 2026?
No. It was 6.750% with a 6.791% APR and $500 in points on both days (source: RateVerdict Florida rate history).
What was the top of the Florida table on November 13, 2026?
6.250%, with a 6.662% APR and 4.001 points, or $16,004, on the $400,000 sample loan (source: RateVerdict Florida rate table, November 13, 2026, 12:10 PM ET).
If a price held today, will it hold tomorrow?
There is no way to tell from the table. Each snapshot is the price on its date for one named loan. The Florida history page keeps past weekday snapshots.
Is Florida documentary stamp tax part of the points in the table?
No. It is a separate tax of 35 cents per $100 of the debt a recorded mortgage secures, $1,400 on $400,000 (source: Fla. Stat. 201.08(1)(b)). The table shows only points or credit.
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 13, 2026, 12:10 PM ET
- RateVerdict, Florida mortgage rate historyas of November 12 and November 13, 2026 snapshots
- RateVerdict, mortgage rates by stateas of November 13, 2026
- RateVerdict, rate tool for your own loanas of November 13, 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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