VA Rates in Florida
Rates as of May 2026 · Mortgage Capital · NMLS# 1859012 · Licensed Florida mortgage broker
VA Loan rates in Florida currently run in the high-6% range for a 30-year fixed, and they price differently than other programs. VA rates are typically the lowest on the board because the loan carries a government guaranty and strong repayment history.
This page tracks va loan pricing for veterans, active-duty service members, and eligible spouses, who typically qualify with $0 down with no monthly mortgage insurance. As a licensed Florida mortgage broker (NMLS# 1859012), we compare lenders to find the real rate for your scenario.
| Loan Product | Rate | APR | Points |
|---|---|---|---|
| VA 30-Year Fixed ★ | 6.375% | 6.511% | 0.0 |
| 30-Year Fixed | 6.875% | 6.943% | 0.5 |
| 15-Year Fixed | 6.250% | 6.338% | 0.5 |
| FHA 30-Year Fixed | 6.625% | 7.412% | 0.0 |
| USDA 30-Year Fixed | 6.500% | 7.089% | 0.0 |
| Jumbo 30-Year Fixed | 6.990% | 7.050% | 0.5 |
| 5/1 ARM | 6.125% | 6.887% | 0.0 |
| Cash-Out Refi 30-Yr | 7.125% | 7.210% | 0.5 |
Sample rates as of May 2026, for illustration only. Your actual rate depends on credit, down payment, loan amount, and program. Not a commitment to lend.
What sets VA Loan rates
VA rates are typically the lowest on the board because the loan carries a government guaranty and strong repayment history. That makes a direct rate comparison across programs misleading unless you also account for mortgage insurance, fees, and down payment.
For veterans, active-duty service members, and eligible spouses, the headline rate is only part of the cost. We show you the full picture so you can compare a va loan against your other options honestly.
Who a VA Loan fits
A va loan is built for veterans, active-duty service members, and eligible spouses. Qualifying usually means $0 down with no monthly mortgage insurance, plus the credit and income documentation the program requires.
We confirm whether this program is genuinely your lowest-cost path or whether another loan would serve you better before you commit.
Locking your VA Loan rate
Once you are pre-approved and under contract, we lock your va loan rate and manage the file to closing. We watch pricing daily and time the lock to the market.
Rates move with economic data and Fed policy, so the right lock window matters as much as the right lender.
Frequently asked questions
What are va loan rates in Florida?
VA Loan rates in Florida are in the high-6% range for a 30-year fixed right now. VA rates are typically the lowest on the board because the loan carries a government guaranty and strong repayment history.
Who qualifies for a va loan in Florida?
A va loan is designed for veterans, active-duty service members, and eligible spouses, typically with $0 down with no monthly mortgage insurance. We confirm your eligibility quickly.
Is a va loan my cheapest option?
Not always. The lowest headline rate is not always the lowest total cost once insurance and fees are counted. We compare every program for you.
How do I lock this rate?
After pre-approval and a signed contract, we lock your rate for 30 to 60 days and time it to the market.
Are you a licensed Florida broker?
Yes, Mortgage Capital, NMLS# 1859012, a licensed Florida mortgage broker serving all 67 counties.