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Mortgage Rates in Florida. Compare today’s average mortgage rates in the state of Florida. Bankrate aggregates mortgage rates from multiple sources to provide averages for Florida. 5/1 ARM mortgage rate 3.95 % Current rates in Florida are 4.39% for a 30-year fixed, 3.75% for a 15-year fixed, and 3.95% for a 5/1 adjustable-rate.