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Conventional Refinance · Rates

Conventional Refinance Rates in Florida

Conventional Refinance rates in Florida shift daily with the market and with your credit, equity, and loan size. Here is what drives the rate and how a broker gets you the lowest one.

Drops at 20%
PMI
620
Min Score
95%
Max LTV
Off FHA / lower rate
Florida
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Get Pre-Approved in Conventional Refinance Rates
5 minutes · No cost · Soft credit pull only
NMLS# 1859012 · Equal Housing Lender
Conventional Refinance · Rates

Conventional Refinance Rates in Florida

Your conventional refinance rate is set by your credit score, loan-to-value, loan size, and the day's market — not by any single lender's rate sheet. As a broker we shop multiple lenders against each other for the same file, which is how the same borrower ends up with a lower rate than a single bank would quote. We lock when the timing favors you.

A conventional refinance is the workhorse — lower your rate, change your term, or escape FHA's permanent mortgage insurance. Once you hold 20% equity, a conventional loan carries no mortgage insurance at all.

The biggest win is leaving FHA. FHA mortgage insurance now lasts the life of the loan; refinancing into a conventional loan once you have 20% equity removes it entirely, often saving more than the rate change itself.

Conventional refinances need a 620+ score and allow up to 95% loan-to-value for rate-and-term. We run the numbers against keeping your current loan and against FHA so the move is clearly worth it before you pay a cent.

Conventional Refinance at a Glance

✓No mortgage insurance once you hold 20% equity.
✓Escape FHA's lifetime mortgage insurance premium.
✓Lower the rate, shorten the term, or both.
✓Up to 95% LTV on rate-and-term refinances.

Read the full conventional refinance guide, or explore: Requirements · Calculator · Guide.

Conventional Refinance Snapshot
PMIDrops at 20%
Min Score620
Max LTV95%
FloridaOff FHA / lower rate
How It Works
01
Apply Online
5 min · soft credit pull only
02
Break-Even Check
We confirm the savings beat the cost
03
Processing
Our team handles paperwork
04
Close
Typically 21–30 days
FAQ

Conventional Refinance Questions

What rate can I get on a conventional refinance?

Your conventional refinance rate depends on your credit, equity, loan size, and the market that day. We shop several lenders for your exact file and quote real numbers rather than teaser rates, then time the lock in your favor.

Can I refinance from FHA to conventional in Florida?

Yes, and it is one of the most valuable refinances available. Once you have about 20% equity, moving from FHA to conventional removes FHA's lifetime mortgage insurance, which often saves more than the rate change. We confirm your equity and run the savings.

What credit score do I need for a conventional refinance?

Generally 620 or higher, with better pricing above 680 and 740. We pull a soft credit check up front and tell you exactly where you stand and what the rate looks like at your score.

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Conventional Refinance GuideConventional Refinance · RequirementsConventional Refinance · CalculatorConventional Refinance · GuideAll Refinance OptionsGet a Refinance Quote

Conventional Refinance Rates?

A licensed Florida mortgage broker who runs your break-even before you pay a cent — honest numbers, no pressure.

(561) 300-0380

Figures are illustrative only and vary by credit score, loan amount, equity, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.