Lehigh Acres, Florida Refinance Rates Today for October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current refinance rates for Lehigh Acres, Florida borrowers from lenders serving Florida today start at 5.85% for a 30 year fixed and 5.50% for a 15 year fixed, compared with Florida averages of 7.139% and 6.695%. Lehigh Acres, Florida mortgage refinance rates from lenders serving Florida range from 4.54% to 7.88%, verified by MonitorBankRates as of October 31, 2026. Current mortgage refinance rates for Lehigh Acres, Florida borrowers from lenders serving Florida include Addition Financial Credit UnionAddition Financial Credit UnionA5.0 ★Texas Ratio: 6.85%Rate verified Oct 31, 2026 at 7.375%, HSBC Bank USAHSBC Bank USAA+5.0 ★Texas Ratio: 4.86%Rate verified Oct 31, 2026 at 7.625%, Radiant Credit UnionRadiant Credit UnionA+5.0 ★Texas Ratio: 3.03%Rate verified Oct 30, 2026 at 5.99%, Florida Central Credit UnionFlorida Central Credit UnionA+5.0 ★Texas Ratio: 5.46%Rate verified Oct 30, 2026 at 5.85%, and Partners Federal Credit UnionPartners Federal Credit UnionA+5.0 ★Texas Ratio: 4.65%Rate verified Oct 29, 2026 at 6.482%. Refinance rates as of October 31, 2026 according to verified data from MonitorBankRates.
Lehigh Acres homeowners can compare 183 refinance rates from 38 lenders serving the Florida area, with refinance rates as low as 5.85% from Florida Central Credit Union. Lenders below quote one rate for purchase and refinance loans. Use the tabs below to compare available loan types, then run the break-even calculator. Rates are continually updated, so we recommend checking back frequently.
Refinance rates reflect actual verified offers from lenders actively lending to Florida homeowners. Your final approved rate will depend on your credit profile, loan-to-value ratio, cash-out amount, and daily market movements. Last Updated and Verified: October 31, 2026
Compare Refinance Rates Today in Lehigh Acres, Florida & the Surrounding Area
Rates shown are each lender’s posted rate for that loan type, which most lenders apply to purchase and refinance loans alike. Local Lehigh Acres, FL lenders are listed first in every tab. Among lenders that post both, refinance pricing currently runs about 0.189 points above the same lender’s purchase rate nationally. That premium is shown for context only; every rate in the table is the lender’s posted rate.
Lehigh Acres 30 Year Fixed Refinance Rates
As Low As; Refinance; Rates current as of 10/30/2026
- Oct 31, 20267.55%▼ from 7.68%
- Oct 20, 20267.68%▼ from 7.93%
- Oct 7, 20267.93%first recorded
Rates shown for New York counties only (Bronx, Kings, New York, Orange, Queens, Richmond, Rockland, Westchester, Nassau, Suffolk, Erie); based on 80% LTV and 740 credit score
- Oct 31, 20267.73%▼ from 7.87%
- Oct 26, 20267.87%▲ from 7.86%
- Oct 20, 20267.86%▼ from 7.90%
- Oct 14, 20267.90%first recorded
As Low As; 30-year fixed-rate, first-lien mortgage, 80% loan-to-value; minimum 720 credit score; primary residence; applications received October 1-31, 2026 and closed within 90 days; membership eligibility required; subject to credit approval and rate-lock procedures
As Low As; Second Home Mortgage
As Low As; Rate shown as 'As low as 6.25%', APR shown as 'As low as 6.448%'
Interest rate not shown; rates are Partners' best fixed rates on approved credit; actual rate may be higher depending on credit and underwriting
Fixed Rate; $250,000 loan example; 80% LTV; 780 credit score; 45-day rate lock; 0.50 percentage point promotional discount requires FAIRWINDS checking with $500+ recurring direct deposit or automatic mortgage payments
Purchase; Page states You Don't Have to Pay Points on Your Mortgage
- Oct 31, 20266.69%▼ from 7.19%
- Oct 14, 20267.19%first recorded
Purchase mortgage; no points required
- Oct 31, 20266.69%▼ from 7.19%
- Oct 1, 20267.19%▲ from 6.94%
- Sep 19, 20266.94%first recorded
Mortgage effective as of Oct 28, 2026; APR = Annual Percentage Rate
- Oct 29, 20266.75%▼ from 7.00%
- Oct 15, 20267.00%▲ from 6.88%
- Oct 12, 20266.88%▼ from 7.00%
- Oct 8, 20267.00%first recorded
Effective as of Oct 28, 2026; Mortgage rates fluctuate with the market. Rates may differ at the time of application.
Estimated rate for primary residence conventional loan; Loan Amount: $360,000; Down Payment: 20%; Special rates for customers with deposit accounts, Online Banking, and recurring automatic deposits; minimum credit score 700; mortgage rates valid as of October 1, 2026
Loan Amount: $360,000; Down Payment: 20%; Primary and secondary residences, conventional; minimum credit score 700; Crews Bank & Trust deposit/Online Banking customers; valid as of October 1, 2026
FL loans only; APR is an estimate
Home loans section
Home loan; 0 points
Jumbo table (data-ratetype); purchase of existing single family primary residence; loan amount $1,000,000; estimated property value $1,250,000; property in NY, Erie county; escrow required; 60-day rate lock; assumed credit score 740
As Low As; Rates may include points.
- Oct 26, 20267.00%▼ from 7.13%
- Oct 14, 20267.13%▼ from 7.25%
- Oct 1, 20267.25%▲ from 7.13%
- Sep 27, 20267.13%▲ from 7.00%
As Low As; Assumes purchase, $225,000 loan, $375,000 property value, Erie county NY, primary residence, escrow required, 60-day rate lock, 740 credit score
- Oct 31, 20267.00%▼ from 7.32%
- Oct 26, 20267.32%first recorded
As Low As; Purchase loan of $225,000 on $375,000 property value; NY, Erie county; existing single family primary residence; escrow required; 60-day rate lock; 740 credit score assumed
- Oct 31, 20267.00%▼ from 7.32%
- Oct 26, 20267.32%first recorded
As Low As; Purchase loan, $225,000 loan amount, $375,000 property value, NY (Erie county), existing single family primary residence, escrow required, 60-day rate lock, 740 credit score assumed; advertised APR assumes approximately 2.000 points
- Oct 31, 20267.09%▼ from 7.22%
- Oct 22, 20267.22%first recorded
Max Loan: $832,750; Jumbo rates available by call
- Oct 31, 20267.11%▼ from 7.35%
- Oct 7, 20267.35%▲ from 7.22%
- Oct 1, 20267.22%▲ from 6.97%
- Sep 18, 20266.97%▲ from 6.60%
Additional APR listed for this product: 7.375%. As Low As; Homepage featured card rate; 30 year term
- Sep 25, 20267.13%▲ from 6.88%
- Sep 17, 20266.88%first recorded
As Low As; Payment: 6,653.02 (payment column not a rate)
- Oct 30, 20267.14%▼ from 7.33%
- Sep 27, 20267.33%first recorded
As Low As; Conventional fixed mortgage
- Oct 19, 20267.15%▼ from 7.18%
- Oct 5, 20267.18%▲ from 7.00%
- Sep 14, 20267.00%first recorded
As Low As; Payment: 1,596.73
- Oct 30, 20267.19%▼ from 7.32%
- Oct 19, 20267.32%▲ from 7.07%
- Sep 18, 20267.07%first recorded
As Low As; Home Loans
Mortgage; Rates Effective: 10.30.26
- Oct 31, 20267.22%▼ from 7.34%
- Oct 26, 20267.34%▼ from 7.47%
- Sep 27, 20267.47%▲ from 7.34%
- Sep 24, 20267.34%▲ from 7.22%
As Low As; Conventional fixed mortgage
- Oct 5, 20267.25%▲ from 7.00%
- Sep 14, 20267.00%first recorded
As Low As; Purchase; Rates current as of 10/30/2026
- Oct 31, 20267.37%▼ from 7.49%
- Oct 20, 20267.49%▼ from 7.75%
- Oct 7, 20267.75%first recorded
As Low As; Homepage featured rate for 30-year fixed; *Terms & Conditions Apply
- Oct 31, 20267.38%▼ from 7.51%
- Oct 20, 20267.51%first recorded
Mortgage; Rates Effective: 10.30.26
- Oct 31, 20267.42%▼ from 7.68%
- Oct 26, 20267.68%▼ from 7.79%
- Oct 2, 20267.79%first recorded
Refinance; Conforming fixed rate mortgage; based on $300,000 loan amount; rate includes 0.125% autopay and paperless discount
- Oct 31, 20267.45%▼ from 7.83%
- Oct 7, 20267.83%first recorded
Purchase loan; rates effective 10/23/2026; APR includes finance charges of $1,700.00; prepaid interest not included
Refinance Mortgage; 20% Down Payment
Conforming mortgage; based on single-family primary residence purchase, 80% LTV, credit score 740, 15 days prepaid interest, 60-day rate lock; APR assumes $400,000 loan, 20% down, closing costs $2416.75 plus -0.04 points; rates shown for New York counties only (Bronx, Kings, New York, Orange, Queens, Richmond, Rockland, Westchester, Nassau, Suffolk, Erie)
- Oct 31, 20267.46%▼ from 7.59%
- Oct 26, 20267.59%first recorded
Jumbo mortgage; based on purchase of single-family primary residence, 65% LTV, 740 credit score, 60-day rate lock; rates shown for New York only
- Oct 31, 20267.65%▼ from 7.72%
- Oct 26, 20267.72%▼ from 7.82%
- Oct 20, 20267.82%▼ from 7.94%
- Oct 14, 20267.94%▼ from 7.96%
Lehigh Acres 15 Year Fixed Refinance Rates
Refinance Loan Options; Effective Date: 10/21/2026; This is A Limited Time Offer
- Oct 26, 20266.63%▲ from 6.50%
- Oct 6, 20266.50%▲ from 6.38%
- Sep 18, 20266.38%▲ from 6.00%
- Sep 14, 20266.00%first recorded
Rates shown for New York counties only (Bronx, Kings, New York, Orange, Queens, Richmond, Rockland, Westchester, Nassau, Suffolk, Erie); based on 80% LTV and 740 credit score
- Oct 31, 20267.00%▼ from 7.12%
- Oct 26, 20267.12%▼ from 7.25%
- Oct 20, 20267.25%▼ from 7.50%
- Oct 14, 20267.50%first recorded
As Low As; Refinance; Rates current as of 10/30/2026
- Oct 31, 20267.03%▼ from 7.15%
- Oct 20, 20267.15%▼ from 7.40%
- Oct 7, 20267.40%first recorded
Fixed Rate; $250,000 loan example; 80% LTV; 780 credit score; 45-day rate lock; 0.50 percentage point promotional discount requires FAIRWINDS checking with $500+ recurring direct deposit or automatic mortgage payments
Loan to Value: 80%; Origination: .50%; Based on $175,000 loan amount, purchase transaction
Mortgage effective as of Oct 28, 2026; APR = Annual Percentage Rate
- Oct 29, 20266.00%▼ from 6.38%
- Oct 15, 20266.38%▲ from 6.25%
- Oct 8, 20266.25%first recorded
Effective as of Oct 28, 2026; Mortgage rates fluctuate with the market. Rates may differ at the time of application.
As Low As; Second Home Mortgage
As Low As; Rate shown as 'As low as 6.000%', APR shown as 'As low as 6.010%'
Estimated rate for primary residence conventional loan; Loan Amount: $360,000; Down Payment: 20%; Special rates for customers with deposit accounts, Online Banking, and recurring automatic deposits; minimum credit score 700; mortgage rates valid as of October 1, 2026
Loan Amount: $360,000; Down Payment: 20%; Primary and secondary residences, conventional; minimum credit score 700; Crews Bank & Trust deposit/Online Banking customers; valid as of October 1, 2026
AS LOW AS; Home loans section
As Low As; Both traditional and short-term options available. Rates may include points.
- Oct 19, 20266.38%▼ from 6.50%
- Sep 27, 20266.50%▲ from 6.25%
- Sep 18, 20266.25%▲ from 6.13%
- Sep 14, 20266.13%first recorded
FL loans only; APR is an estimate
Max Loan: $832,750; Jumbo rates available by call
- Oct 31, 20266.53%▼ from 6.67%
- Oct 1, 20266.67%▲ from 6.41%
- Sep 18, 20266.41%▲ from 6.15%
- Sep 15, 20266.15%first recorded
As Low As; Conventional fixed mortgage
- Oct 19, 20266.65%▼ from 6.78%
- Oct 5, 20266.78%▲ from 6.57%
- Sep 14, 20266.57%first recorded
As Low As; Payment: 2,074.20
- Oct 30, 20266.66%▲ from 6.53%
- Sep 18, 20266.53%▲ from 6.28%
- Sep 14, 20266.28%first recorded
As Low As; Homepage mortgage rate teaser; Check All Mortgage Rates for details
- Oct 31, 20266.70%▼ from 6.95%
- Oct 20, 20266.95%first recorded
As Low As; Conventional fixed mortgage
- Oct 19, 20266.75%▼ from 6.78%
- Oct 5, 20266.78%▲ from 6.57%
- Sep 14, 20266.57%first recorded
Home loan; 0 points
Refinance Mortgage; 20% Down Payment
Conforming mortgage; based on single-family primary residence purchase, 80% LTV, credit score 740, 15 days prepaid interest, 60-day rate lock; APR assumes $400,000 loan, 20% down, closing costs $2416.75 plus -0.04 points; rates shown for New York counties only (Bronx, Kings, New York, Orange, Queens, Richmond, Rockland, Westchester, Nassau, Suffolk, Erie)
- Oct 31, 20266.76%▼ from 6.89%
- Oct 26, 20266.89%first recorded
30% Down Payment; Rates last updated on 10/30/2026
As Low As; Purchase; Rates current as of 10/30/2026
- Oct 31, 20266.81%▼ from 6.94%
- Oct 20, 20266.94%▼ from 7.19%
- Oct 7, 20267.19%first recorded
As Low As; Mortgage Rates section, homepage featured rate
As Low As; Purchase loan, $225,000 loan amount, $375,000 property value, NY (Erie county), existing single family primary residence, escrow required, 60-day rate lock, 740 credit score assumed; advertised APR assumes approximately 2.000 points
- Oct 31, 20266.87%▼ from 7.08%
- Oct 22, 20267.08%first recorded
Refinance; Conforming fixed rate mortgage; based on $300,000 loan amount; rate includes 0.125% autopay and paperless discount
As Low As; Home Loans
Jumbo table (data-ratetype); purchase of existing single family primary residence; loan amount $1,000,000; estimated property value $1,250,000; property in NY, Erie county; escrow required; 60-day rate lock; assumed credit score 740
Purchase loan; rates effective 10/23/2026; APR includes finance charges of $1,700.00; prepaid interest not included
- Oct 26, 20267.01%▼ from 7.14%
- Oct 21, 20267.14%first recorded
Fixed Rate Loans; Purchase APR assumes 60-day rate lock, $300,000 loan, 70% LTV, 775 credit score
As Low As; Assumes purchase, $225,000 loan, $375,000 property value, Erie county NY, primary residence, escrow required, 60-day rate lock, 740 credit score
- Oct 31, 20267.10%▼ from 7.23%
- Oct 26, 20267.23%first recorded
As Low As; Purchase loan of $225,000 on $375,000 property value; NY, Erie county; existing single family primary residence; escrow required; 60-day rate lock; 740 credit score assumed
- Oct 31, 20267.10%▼ from 7.23%
- Oct 26, 20267.23%first recorded
Published rate range: 7.125%-8.125%. Zero Points; APR based on lowest rate
- Oct 15, 20267.16%▲ from 6.92%
- Oct 13, 20266.92%first recorded
Lehigh Acres 5/1 ARM Refinance Rates
No additional details available.
- Oct 30, 20265.88%▼ from 6.00%
- Oct 19, 20266.00%first recorded
Loan to Value: 80%; Origination: 0%; Based on $175,000 loan amount, purchase transaction
As Low As; Enjoy a low initial rate that adjusts with the market. Various terms and options available. Rates may include points.
- Oct 26, 20265.88%▼ from 6.00%
- Oct 14, 20266.00%▼ from 6.13%
- Oct 1, 20266.13%▲ from 5.63%
- Sep 18, 20265.63%▲ from 5.50%
No additional details available.
- Oct 30, 20265.88%▼ from 6.00%
- Oct 19, 20266.00%first recorded
Loan to Value: 80%; Origination: 0%; Based on $175,000 loan amount, purchase transaction
Adjustable Rate Mortgage
- Oct 29, 20266.20%▼ from 6.25%
- Oct 13, 20266.25%▼ from 7.03%
- Oct 2, 20267.03%first recorded
Max Loan: $832,750; 60 months fixed then adjusts every six months
- Oct 1, 20266.64%▲ from 6.51%
- Sep 18, 20266.51%▲ from 6.44%
- Sep 15, 20266.44%first recorded
As Low As; Adjustable Rate Mortgage (ARM) (As low as Rates)
- Oct 19, 20266.65%▼ from 7.24%
- Oct 13, 20267.24%▲ from 6.75%
- Oct 1, 20266.75%▲ from 6.50%
- Sep 18, 20266.50%first recorded
As Low As; Featured rate; fixed for first 5 years then adjusts (SOFR); special rate for in-house portfolio loan only; 5/1 ARM with no points; rate quoted as of 10/14/2026
- Oct 19, 20266.66%▲ from 6.40%
- Sep 18, 20266.40%▲ from 6.15%
- Sep 14, 20266.15%first recorded
Jumbo mortgage; based on purchase of single-family primary residence, 65% LTV, 740 credit score, 60-day rate lock; rates shown for New York only
- Oct 31, 20266.69%▼ from 6.79%
- Oct 20, 20266.79%▼ from 6.83%
- Oct 14, 20266.83%▲ from 6.76%
- Oct 7, 20266.76%▲ from 6.75%
All Mortgage Rates 0 Points; Mortgage Refinance; Rates shown for loan amounts below $832,750
- Oct 26, 20266.72%▼ from 6.84%
- Oct 20, 20266.84%first recorded
As Low As; Adjustable Rate Mortgage (ARM) (As low as Rates)
- Oct 19, 20266.75%▼ from 7.24%
- Oct 13, 20267.24%▲ from 6.75%
- Oct 1, 20266.75%▲ from 6.50%
- Sep 18, 20266.50%first recorded
Arm Rate; 60 payments at fixed rate then variable rate; $500,000 loan example; 80% LTV; 780 credit score; 45-day rate lock
0 Points; Rates shown for loan amounts below $832,750
- Oct 26, 20266.80%▼ from 6.84%
- Oct 20, 20266.84%first recorded
Rate code: T3R
Rate code: STR
FL loans only; APR is an estimate
Rate code: T2R
As Low As; w/ 1.000 Points; Payment: 1,419.69
- Oct 30, 20266.94%▼ from 6.98%
- Oct 19, 20266.98%first recorded
All Mortgage Rates 0 Points; Mortgage Refinance; Rates shown for loan amounts below $832,750
- Oct 26, 20266.97%▼ from 7.05%
- Oct 20, 20267.05%first recorded
First 5 Years fixed; rate may adjust every year; owner-occupied primary residence, $15,000 - $1,000,000, up to 75% LTV; lifetime rate cap 6.00% above intro rate; rate current as of 10/29/2026 with FICO 740; 0.25% auto-pay discount applies
- Oct 31, 20266.99%▲ from 6.45%
- Oct 3, 20266.45%▲ from 6.20%
- Sep 15, 20266.20%first recorded
0 Points; Rates shown for loan amounts below $832,750
- Oct 26, 20267.02%▼ from 7.05%
- Oct 20, 20267.05%first recorded
As Low As; Home Loans
Rate code: T3R
Product code: A30FF51P; Rate code: STR; 0 Points
Product code: A30FF51P; Rate code: T2R; 0 Points
Rate code: T1R
Product code: A30FF51P; Rate code: T1R; 0 Points
Lehigh Acres 30-Year Jumbo Refinance Rates
No additional details available.
- Oct 30, 20266.64%▼ from 6.90%
- Oct 1, 20266.90%first recorded
Fixed-rate period 7 years, then adjusts yearly; 30-year term; based on $940,000 loan amount and at least 25% equity
Fixed-rate period 10 years, then adjusts yearly; 30-year term; based on $940,000 loan amount and at least 25% equity
based on $940,000 loan amount and at least 25% equity
based on $940,000 loan amount and at least 25% equity
Jumbo Rate; $832,750 loan example; 80% LTV; 780 credit score; 45-day rate lock; 0.50 percentage point promotional discount requires FAIRWINDS checking with $500+ recurring direct deposit or automatic mortgage payments
As Low As; Effective Date: October 28, 2026; Example Loan Amount: $850,000; Example
- Oct 30, 20266.23%▼ from 6.36%
- Oct 19, 20266.36%first recorded
Jumbo Rate; $832,750 loan example; 80% LTV; 780 credit score; 45-day rate lock; 0.50 percentage point promotional discount requires FAIRWINDS checking with $500+ recurring direct deposit or automatic mortgage payments
No additional details available.
- Oct 30, 20266.64%▲ from 6.48%
- Sep 18, 20266.48%first recorded
Rates as of Oct 30, 2026 ET; Interest Rates As Low As; APR As Low As
- Oct 31, 20266.71%▼ from 6.83%
- Oct 20, 20266.83%▼ from 6.87%
- Oct 6, 20266.87%▲ from 6.77%
- Sep 30, 20266.77%first recorded
No additional details available.
- Oct 26, 20266.84%▼ from 6.96%
- Oct 22, 20266.96%first recorded
As Low As; Jumbo Fixed Rate (As low as Rates)
As Low As; Jumbo Adjustable Rate (ARM); Stated APR includes a .50% Full Direct Deposit discount
- Oct 19, 20266.90%▼ from 7.02%
- Oct 9, 20267.02%▲ from 7.00%
- Oct 1, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
As Low As; Jumbo Adjustable Rate (ARM) (As low as Rates)
Jumbo loans over $832,750
- Oct 26, 20266.94%▼ from 7.07%
- Oct 22, 20267.07%first recorded
No additional details available.
- Oct 26, 20266.94%▼ from 7.07%
- Oct 22, 20267.07%first recorded
As Low As; Jumbo Fixed Rate (As low as Rates)
As Low As; Jumbo Adjustable Rate (ARM); Stated APR includes a .50% Full Direct Deposit discount
- Oct 19, 20267.00%▼ from 7.02%
- Oct 9, 20267.02%▲ from 7.00%
- Oct 1, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
As Low As; Jumbo Adjustable Rate (ARM) (As low as Rates)
No Closing Costs Up to 2% of Amount Financed
- Oct 26, 20267.00%▲ from 6.96%
- Oct 22, 20266.96%first recorded
$832,750; Fixed Rate Loans; Jumbo; Maximum loan amount $832,750 per footnote; APR assumes 60-day rate lock, $300,000 loan, 70% LTV, 775 credit score
As Low As; Effective Date: October 28, 2026; Example Loan Amount: $850,000; Example
- Oct 30, 20267.05%▼ from 7.17%
- Oct 19, 20267.17%first recorded
As Low As; Effective Date: October 28, 2026; Example Loan Amount: $850,000; Example
- Oct 30, 20267.06%▼ from 7.19%
- Oct 19, 20267.19%first recorded
Fixed-rate period 7 years, then adjusts yearly; 30-year term; loan amount $940,000; down payment at least 25%
No Closing Costs Up to 2% of Amount Financed
- Oct 26, 20267.13%▲ from 7.07%
- Oct 22, 20267.07%first recorded
As Low As; Jumbo Adjustable Rate (ARM); Stated APR includes a .50% Full Direct Deposit discount
- Oct 19, 20267.15%▼ from 7.35%
- Oct 9, 20267.35%▲ from 7.25%
- Oct 1, 20267.25%▲ from 7.00%
- Sep 14, 20267.00%first recorded
As Low As; Jumbo Fixed Rate (As low as Rates)
As Low As; Jumbo Adjustable Rate (ARM) (As low as Rates)
As Low As; Min. Down Payment: 10%; Terms Available: Fixed: 15, 20, 30; ARMS: 5, 7, 10 Year Initial Fixed Rate Periods
Fixed-rate period 10 years, then adjusts yearly; 30-year term; loan amount $940,000; down payment at least 25%
FL loans only; APR is an estimate
- Oct 23, 20267.22%▼ from 7.48%
- Sep 25, 20267.48%▲ from 7.22%
- Sep 18, 20267.22%first recorded
As Low As; Jumbo Adjustable Rate (ARM); Stated APR includes a .50% Full Direct Deposit discount
- Oct 19, 20267.25%▼ from 7.35%
- Oct 9, 20267.35%▲ from 7.25%
- Oct 1, 20267.25%▲ from 7.00%
- Sep 14, 20267.00%first recorded
As Low As; Jumbo Fixed Rate (As low as Rates)
As Low As; Jumbo Adjustable Rate (ARM) (As low as Rates)
As Low As; Jumbo; Example Loan Amount: $850,000; Example; Example monthly payments do not include taxes and insurance
- Oct 30, 20267.42%▼ from 7.55%
- Oct 13, 20267.55%first recorded
Loan amount $940,000; down payment at least 25%
Loan amount $940,000; down payment at least 25%
Mortgage; Rates Effective: 10.30.26
- Oct 31, 20267.53%▼ from 7.65%
- Oct 26, 20267.65%▼ from 7.78%
- Oct 7, 20267.78%▲ from 7.65%
- Oct 2, 20267.65%▲ from 7.53%
Jumbo; Interest Rate then APR
- Oct 19, 20267.60%▼ from 7.63%
- Oct 13, 20267.63%first recorded
Interest Rates As Low As; Exclusive mortgage benefit for Servicemembers, Reservists and Veterans who have already exhausted their VA loan benefit; no down payment required; 720 FICO, down payment of 0%; rates as of Oct 30, 2026 ET
- Oct 31, 20268.10%▼ from 8.22%
- Oct 26, 20268.22%▼ from 8.35%
- Oct 20, 20268.35%first recorded
As Low As; Rates as of Oct 30, 2026 ET; Advertised rate assumes single-family primary residence, 720 FICO, 0% down
- Oct 31, 20268.22%▼ from 8.35%
- Oct 26, 20268.35%▼ from 8.48%
- Oct 20, 20268.48%▼ from 8.61%
- Oct 1, 20268.61%first recorded
Lehigh Acres 15-Year Jumbo Refinance Rates
No additional details available.
- Oct 30, 20266.69%▼ from 6.82%
- Oct 1, 20266.82%first recorded
based on $940,000 loan amount and at least 25% equity
Jumbo Rate; $832,750 loan example; 80% LTV; 780 credit score; 45-day rate lock; 0.50 percentage point promotional discount requires FAIRWINDS checking with $500+ recurring direct deposit or automatic mortgage payments
As Low As; Effective Date: October 28, 2026; Example Loan Amount: $850,000; Example
- Oct 30, 20266.33%▼ from 6.45%
- Oct 19, 20266.45%first recorded
No additional details available.
- Oct 26, 20266.61%▼ from 6.73%
- Oct 22, 20266.73%first recorded
As Low As; Jumbo Fixed Rate (As low as Rates)
As Low As; Min. Down Payment: 10%; Terms Available: Fixed: 15, 20, 30; ARMS: 5, 7, 10 Year Initial Fixed Rate Periods
No additional details available.
- Oct 30, 20266.69%▼ from 6.82%
- Oct 1, 20266.82%first recorded
As Low As; Jumbo; Example Loan Amount: $850,000; Example; Example monthly payments do not include taxes and insurance
- Oct 30, 20266.70%▼ from 6.83%
- Oct 13, 20266.83%first recorded
As Low As; Jumbo Fixed Rate (As low as Rates)
No Closing Costs Up to 2% of Amount Financed
- Oct 26, 20266.75%▲ from 6.73%
- Oct 22, 20266.73%first recorded
As Low As; Assumes single-family primary residence, 720 FICO, 20% down; Minimum 5% down required; Rates as of Oct 30, 2026 ET
- Oct 26, 20266.85%▼ from 6.97%
- Oct 20, 20266.97%first recorded
Jumbo; Interest Rate then APR
- Oct 29, 20266.94%▼ from 7.23%
- Oct 26, 20267.23%▲ from 7.20%
- Oct 19, 20267.20%▼ from 7.23%
- Oct 13, 20267.23%first recorded
Loan amount $940,000; down payment at least 25%
Lehigh Acres 5/1 Jumbo ARM Refinance Rates
No additional details available.
- Oct 30, 20265.88%▼ from 6.00%
- Oct 14, 20266.00%first recorded
Fixed-rate period 5 years, then adjusts yearly; 30-year term; based on $940,000 loan amount and at least 25% equity
No additional details available.
- Oct 30, 20265.88%▲ from 5.78%
- Sep 14, 20265.78%first recorded
As Low As; Min. Down Payment: 10%; Terms Available: Fixed: 15, 20, 30; ARMS: 5, 7, 10 Year Initial Fixed Rate Periods
As Low As; Jumbo Adjustable Rate (ARM); Stated APR includes a .50% Full Direct Deposit discount
- Oct 19, 20266.65%▼ from 7.21%
- Oct 9, 20267.21%▲ from 6.75%
- Oct 1, 20266.75%▲ from 6.50%
- Sep 14, 20266.50%first recorded
As Low As; Jumbo Adjustable Rate (ARM) (As low as Rates)
Rates as of Oct 30, 2026 ET; Interest Rates As Low As; APR As Low As
- Oct 31, 20266.65%▼ from 6.78%
- Oct 20, 20266.78%▼ from 6.83%
- Oct 6, 20266.83%▲ from 6.75%
- Sep 30, 20266.75%first recorded
As Low As; Jumbo Adjustable Rate (ARM); Stated APR includes a .50% Full Direct Deposit discount
- Oct 19, 20266.75%▼ from 7.21%
- Oct 9, 20267.21%▲ from 6.75%
- Oct 1, 20266.75%▲ from 6.50%
- Sep 14, 20266.50%first recorded
As Low As; Jumbo Adjustable Rate (ARM) (As low as Rates)
Fixed-rate period 5 years, then adjusts yearly; 30-year term; loan amount $940,000; down payment at least 25%
Lehigh Acres FHA Loan Rates
based on $270,019 loan amount and at least 3.5% equity; assumes FICO 680+
Rate "As Low As"; APR "As Low As"; Example loan amount $300,000; Example; Effective Date: October 28, 2026
- Oct 30, 20266.52%▼ from 6.65%
- Oct 13, 20266.65%first recorded
As Low As; Assumes purchase, $225,000 loan, $375,000 property value, Erie county NY, primary residence, escrow required, 60-day rate lock, 740 credit score
- Oct 31, 20267.00%▼ from 7.32%
- Oct 26, 20267.32%first recorded
As Low As; Assumes purchase, $225,000 loan, $375,000 property value, Erie county NY, primary residence, escrow required, 60-day rate lock, 740 credit score
- Oct 31, 20267.10%▼ from 7.23%
- Oct 26, 20267.23%first recorded
Rate "As Low As"; APR "As Low As"; Example loan amount $300,000; Example; Effective Date: October 28, 2026
- Oct 30, 20267.22%▼ from 7.34%
- Oct 13, 20267.34%first recorded
Mortgage; Rates Effective: 10.30.26
- Oct 31, 20267.42%▼ from 7.68%
- Oct 26, 20267.68%▼ from 7.79%
- Oct 2, 20267.79%first recorded
Loan amount $270,019; down payment at least 3.5%; FICO 680+
Lehigh Acres VA Loan Rates
As Low As; Government Fixed Rate (As low as Rates)
- Oct 19, 20267.28%▼ from 8.03%
- Oct 13, 20268.03%first recorded
As Low As; Government Fixed Rate (As low as Rates)
- Oct 19, 20267.38%▼ from 8.03%
- Oct 13, 20268.03%first recorded
based on $305,059 loan amount and 14.8% equity
Variable; TD Mortgage Prime Rate 4.85% -0.31%; Posted Rate: TD Mortgage Prime Rate (struck through)
- Oct 31, 20264.56%▲ from 4.31%
- Oct 26, 20264.31%first recorded
Rate "As Low As"; APR "As Low As"; Example Loan Amount: $300,000; Example; Effective Date: October 28, 2026
- Oct 30, 20266.52%▼ from 6.65%
- Oct 19, 20266.65%first recorded
Rates as of Oct 30, 2026 ET. Rates subject to change.
- Oct 31, 20266.66%▼ from 6.79%
- Oct 20, 20266.79%first recorded
Rates as of Oct 30, 2026 ET. Rates subject to change.
- Oct 31, 20266.93%▼ from 7.06%
- Oct 20, 20267.06%first recorded
As Low As; Purchase loan of $225,000 on $375,000 property value; NY, Erie county; existing single family primary residence; escrow required; 60-day rate lock; 740 credit score assumed
- Oct 31, 20267.00%▼ from 7.32%
- Oct 26, 20267.32%first recorded
As Low As; Purchase loan of $225,000 on $375,000 property value; NY, Erie county; existing single family primary residence; escrow required; 60-day rate lock; 740 credit score assumed
- Oct 31, 20267.10%▼ from 7.23%
- Oct 26, 20267.23%first recorded
Rate "As Low As"; APR "As Low As"; Example Loan Amount: $300,000; Example; Effective Date: October 28, 2026
- Oct 30, 20267.22%▼ from 7.34%
- Oct 19, 20267.34%first recorded
Mortgage; Rates Effective: 10.30.26
- Oct 31, 20267.22%▼ from 7.34%
- Oct 26, 20267.34%▼ from 7.47%
- Sep 27, 20267.47%▲ from 7.34%
- Sep 24, 20267.34%▲ from 7.22%
Loan amount $383,625; no down payment
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
National Refinance Rate Averages
Daily averages of posted rates across every lender we track, as of October 31, 2026. Use these as the benchmark for the Lehigh Acres, Florida quotes above; lenders that price refinances separately currently run about 0.189 points higher.
Lehigh Acres, FL Refinance Rate Trends
Compare local Lehigh Acres, FL refinance quotes against the statewide average
Daily averages of posted first-mortgage rates across our lender network, updated every evening. Because most lenders price purchase and refinance loans identically, this is the benchmark a Florida refinance quote should be measured against, plus roughly 0.189 points at lenders that price refinances separately.
Florida 30-year fixed rates fell 0.041 points over the past 7 days to 7.139%.
Florida 15-year fixed rates fell 0.032 points over the past 7 days to 6.695%.
What Lehigh Acres, FL Homeowners Actually Pay to Refinance
Posted refinance rates from our lender network alongside the rates borrowers closed at, from federal HMDA filings
Two different measures. The refinance premium is computed nightly from lenders that publish separate purchase and refinance pricing. HMDA figures are median note rates on loans that actually closed.
Florida Refinance Rate Forecast, Next 12 Months
Where are Florida refinance rates headed through October 2027?
Based on Fed funds rate futures, 10-year Treasury path, and historical mortgage spread model. If the forecast shows rates falling, waiting may beat refinancing today; the break-even calculator below shows what each scenario is worth. Not financial advice.
What Forecast Rates Mean for Lehigh Acres, FL Homeowners Refinancing
Monthly principal & interest on a 30-year refinance of the loan of $233,920 (80% of the city median home value). Payment differences show what waiting for the forecast rate would be worth each month.
| Scenario | Rate | Mo. Payment | vs. Today | % of Income |
|---|---|---|---|---|
| Today (FL avg) | 7.139% | $1,578 | 28.3% | |
| 6-Month Forecast | 7.139% (6.79, 7.44%) | $1,578 | +$0/mo | 28.3% |
| 12-Month Forecast | 7.389% (7.04, 7.69%) | $1,618 | +$40/mo | 29% |
Income column = annual mortgage payment as % of Lehigh Acres, FL median household income ($66,890). Above 30% is generally considered cost-burdened.
Lehigh Acres, Florida Refinance Break-Even Calculator
Enter your current loan and the refinance rate you have been quoted. The calculator shows the new payment, monthly savings, and how many months it takes for those savings to pay back the closing costs. Click a current Lehigh Acres, Florida rate on the right to test it instantly.
Principal and interest only. Excludes escrow, mortgage insurance, and any prepayment penalty on the current loan. Lifetime interest compares the remaining interest on the current loan to total interest on the new loan. Estimates are for informational purposes only.
Run the Numbers on Your Lehigh Acres, Florida Refinance
The rate is only part of the decision. Use these calculators to turn current Lehigh Acres, Florida home refinance rates into monthly savings, break-even months, and total interest before you request quotes from refinance lenders.
If you already own a home, enter your current rate, remaining loan balance, and the rate you’ve been quoted to refinance. The calculator shows your new monthly payment, how much you’d save each month, and the break-even point, the number of months it takes for your savings to cover the closing costs of refinancing.
CalculateEnter your loan amount, interest rate, and term length to see your estimated monthly principal and interest payment. Adjust any variable to model different scenarios: a larger down payment, a shorter term, or a rate a quarter-point lower than what you were quoted.
CalculateIf your goal is cash rather than a lower rate, compare current Lehigh Acres, Florida home equity loan and HELOC rates against a cash-out refinance. Keeping a low existing first mortgage and adding a second lien is often the cheaper path, especially for loans originated between 2020 and 2022.
CompareTell us your gross income, monthly debt obligations, and how much you have for a down payment. We’ll show you the home price range you’re likely to qualify for at current Lehigh Acres, Florida rates, so you can shop with a realistic number in mind rather than discovering your ceiling after you’ve fallen in love with a property.
CalculateTypes of Refinance Loans Available in Lehigh Acres, Florida
Homeowners in Lehigh Acres, Florida can choose from several refinance programs. The right one depends on what you are trying to do: lower the rate, shorten the term, pull cash out, or drop mortgage insurance. Pricing, appraisal requirements, and eligibility differ across each, and the cheapest program is not always the lowest posted rate once fees are counted.
Rate-and-Term Refinance
The standard refinance. You replace your existing mortgage with a new loan for about the same balance, changing only the rate, the term, or both. It is the lowest-priced refinance product at nearly every Florida lender because the loan-to-value ratio does not rise.
Best for homeowners whose rate is at least half a point above today’s Lehigh Acres, Florida average and who plan to stay past the break-even point. Choosing a term that matches your remaining years, rather than resetting to 30, keeps the payoff date where it is.
Cash-Out Refinance
A cash-out refinance replaces your mortgage with a larger one and hands you the difference at closing. Conventional lenders cap the new loan at 80% of appraised value; VA cash-out loans go to 90%. Rates run above rate-and-term pricing.
If you hold a low rate from 2020 to 2022, a home equity loan or HELOC in Lehigh Acres, Florida usually costs less than refinancing the whole balance at today’s rate to pull out cash.
FHA Streamline Refinance
For homeowners already in an FHA loan. No appraisal, no income verification, and limited credit review, as long as the new loan produces a net tangible benefit (generally a rate at least 0.5% lower, or a move from an ARM to a fixed rate). You need 210 days since the first payment and six on-time payments.
The upfront mortgage insurance premium is reduced to 0.01% and annual MIP continues, so FHA borrowers with 20% equity and good credit should also price a conventional rate-and-term refinance, which drops mortgage insurance entirely.
VA IRRRL (Streamline Refinance)
The Interest Rate Reduction Refinance Loan lets veterans refinance an existing VA loan with no appraisal, no income documentation, and a funding fee of just 0.5% (waived for borrowers with a service-connected disability). Closing costs can be rolled into the loan.
The new rate must be lower than the current one unless you are moving from an ARM to a fixed rate, and you must recoup closing costs within 36 months. VA lenders in Florida quote IRRRL pricing separately, so ask for it by name.
USDA Streamlined-Assist Refinance
For homeowners with an existing USDA Rural Development loan. No appraisal or credit review in most cases, and the new payment must be at least $50 a month lower than the current one. The property no longer has to meet the rural eligibility map.
Twelve months of on-time payments are required, and the 1% upfront guarantee fee plus the annual fee apply to the new loan.
Jumbo Refinance
The 2026 FHFA conforming loan limit for Lehigh Acres, Florida is $832,750. A refinance above that amount is a jumbo loan and stays on the lender’s books or goes to private investors, so pricing and underwriting are set lender by lender.
Jumbo refinances usually require a 700 or higher credit score, reserves of six to twelve months of payments, and a loan-to-value of 80% or less. Because balances are large, even a quarter-point rate difference is worth thousands a year, so compare the 30-Year Jumbo and 15-Year Jumbo tabs above closely. If paying the balance down to the conforming limit at closing is possible, conforming refinance pricing is often noticeably better.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Lehigh Acres, Florida refinance rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Refinance Rate Data: We aggregate mortgage and refinance rates for Lehigh Acres, Florida directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Where a lender publishes a product specifically for refinancing, that product is listed by name; where a lender publishes one rate sheet for purchase and refinance loans, that rate is shown as the refinance rate, which is how the lender itself quotes it.
Refinance Premium and HMDA Figures: The refinance premium is the average difference between a lender’s refinance-labeled product and the same lender’s standard product of the same term, computed nightly across lenders that publish both. It is shown for context and is never added to any rate in the tables. HMDA figures are median note rates on first-lien, owner-occupied, one-to-four-unit loans originated in the most recent reporting year, from the Consumer Financial Protection Bureau’s public Loan/Application Register.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Lehigh Acres, Florida. We feature a comprehensive mix of licensed NMLS financial institutions, from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in FL.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage and refinance rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data, including the Texas Ratio, ensuring you compare rates from secure, reliable lenders.
Refinance Product Information
How a Mortgage Refinance Works
A refinance pays off your current mortgage with a new loan on the same Lehigh Acres, Florida home. The new lender wires the payoff to the old lender at closing, and from that point you make payments on the new loan only. Because it is a brand-new mortgage, you go through an application, credit check, and usually an appraisal, and you pay closing costs, just as you did when you bought the home.
Refinance Rates vs. Purchase Rates
Most Florida banks and credit unions post one rate sheet that applies to purchase and refinance loans alike, which is why the tables above show the same lenders you will find on our Lehigh Acres, Florida mortgage rates page. For example, Addition Financial Credit Union is listing a 30 Year Fixed Rate - Refinance at 7.375% for either purpose. Some lenders price refinances separately and list them by name, such as Tropical Financial Credit Union’s Jumbo 5/6 ARM refi (variable rate) at 6.077%. Across lenders that post both, refinance pricing currently runs about 0.189 points above the same lender’s purchase rate nationally. Cash-out refinances, investment properties, and second homes carry pricing add-ons at every lender.
Finding Your Break Even Point
Divide total closing costs by the monthly payment savings and you get the number of months until the refinance has paid for itself. A Lehigh Acres, Florida homeowner who expects to sell before that month should not refinance, no matter how good the rate looks. The calculator above runs this math with today’s local rates. A shorter break-even, under three years, is a comfortable margin; anything past five years needs a long stay to pay off.
Refinance Closing Costs
Refinance closing costs in Florida typically run two to five percent of the loan and include the lender’s origination fee, appraisal, title search and lender’s title policy, recording fees, and prepaid interest. Discount points are optional and buy the rate down. A no-closing-cost refinance rolls the fees into a higher rate or the loan balance. It is not free, but it can be the better choice for a homeowner likely to move or refinance again within a few years, because there is nothing to recoup.
When to Wait
Refinancing rarely pays when the new rate is less than half a point below the current one, when you are more than ten years into a 30-year loan and would reset the clock, or when your credit score has dropped since the original loan. Homeowners holding a rate from 2020 to 2022 are usually better served by keeping that loan and using a home equity loan or HELOC for cash needs. Our Florida refinance rate trends above show where rates have been over the past 90 days, and the forecast gives a sense of where they may head, so you can decide whether to lock now or wait.
Frequently Asked Questions about Refinance Rates in Lehigh Acres, Florida
What are refinance rates in Lehigh Acres, Florida today?
What are home loan refinance rates in Lehigh Acres, FL today?
Are refinance rates higher than purchase mortgage rates in Lehigh Acres, Florida?
When does refinancing make sense in Lehigh Acres, Florida?
How soon can I refinance a mortgage in Lehigh Acres, Florida?
What is a rate-and-term refinance?
What is a cash-out refinance?
Does refinancing reset my 30-year term?
What are typical refinance closing costs in Lehigh Acres, Florida?
What is the difference between interest rate and APR on a refinance?
Should I lock my refinance rate?
How do I compare refinance lenders in Lehigh Acres, Florida?
How do I get refinance quotes in Lehigh Acres, Florida?
What are the best refinance rates in Lehigh Acres, Florida?
- Addition Financial Credit Union: 7.375% (30 Year Fixed Rate - Refinance)
- HSBC Bank USA: 7.625% (Conforming Mortgage Refinance - 30 Year Fixed Rate)
- Radiant Credit Union: 5.99% (First Mortgage Loan - 30 Year Fixed)
- Florida Central Credit Union: 5.85% (Second Home Mortgage - 30 Year Fixed)
- Partners Federal Credit Union: 6.482% (Mortgage - 30 Yr Fixed)
Lehigh Acres, Florida Rates & Resources
