{"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.","days":[{"pricedOn":"2026-11-04","firstRate":6.125,"firstRateApr":6.376,"firstRatePointsDollars":7756,"nearZeroRate":6.5,"nearZeroApr":6.598,"nearZeroPointsDollars":736},{"pricedOn":"2026-11-03","firstRate":6.125,"firstRateApr":6.386,"firstRatePointsDollars":8140,"nearZeroRate":6.625,"nearZeroApr":6.71,"nearZeroPointsDollars":-620},{"pricedOn":"2026-11-02","firstRate":6,"firstRateApr":6.297,"firstRatePointsDollars":9792,"nearZeroRate":6.5,"nearZeroApr":6.598,"nearZeroPointsDollars":604},{"pricedOn":"2026-10-30","firstRate":6.125,"firstRateApr":6.398,"firstRatePointsDollars":8360,"nearZeroRate":6.5,"nearZeroApr":6.615,"nearZeroPointsDollars":1092}]}