{"publisher":"RateVerdict","state":"Florida","page":"https://rateverdict.com/mortgage-rates/florida","methodology":"https://rateverdict.com/methodology","license":"https://rateverdict.com/terms","scenario":"$400,000 30-year fixed refinance with 780 or higher credit, Florida property","notice":"Priced for one named scenario from live lender rate sheets. Not a rate lock or an offer to lend.","payments":"Monthly payments shown are principal and interest only, for 360 monthly payments on a $400,000 loan at the rate shown. They do not include taxes, homeowners insurance or mortgage insurance, so the actual monthly payment will be greater.","pricedOn":"2026-11-04","pricedAt":"2026-11-04T17:11:08.082+00:00","rows":[{"rate":6.125,"apr":6.376,"points":1.939,"pointsDollars":7756,"monthlyPI":2430},{"rate":6.25,"apr":6.459,"points":1.45,"pointsDollars":5800,"monthlyPI":2463},{"rate":6.375,"apr":6.523,"points":0.742,"pointsDollars":2968,"monthlyPI":2495},{"rate":6.5,"apr":6.598,"points":0.184,"pointsDollars":736,"monthlyPI":2528},{"rate":6.625,"apr":6.708,"points":-0.355,"pointsDollars":-1420,"monthlyPI":2561},{"rate":6.75,"apr":6.836,"points":-0.79,"pointsDollars":-3160,"monthlyPI":2594},{"rate":6.875,"apr":6.964,"points":-1.362,"pointsDollars":-5448,"monthlyPI":2628},{"rate":7,"apr":7.09,"points":-1.799,"pointsDollars":-7196,"monthlyPI":2661},{"rate":7.125,"apr":7.216,"points":-2.222,"pointsDollars":-8888,"monthlyPI":2695},{"rate":7.375,"apr":7.469,"points":-2.658,"pointsDollars":-10632,"monthlyPI":2763},{"rate":7.5,"apr":7.596,"points":-3.122,"pointsDollars":-12488,"monthlyPI":2797},{"rate":8,"apr":8.031,"points":-3.426,"pointsDollars":-13704,"monthlyPI":2935}]}