Mortgage and Refinance Rates in Jacksonville

Use our comparison table to compare refinance and mortgage rates in Jacksonville

Today's Rates

June 18 2021
Fixed 30 Year
up since yesterday
Rate: 2.724%
APR: 2.776%

June 18 2021
Fixed 15 Year
up since yesterday
Rate: 2.164%
APR: 2.259%

June 18 2021
Fixed 10 Year
down since yesterday
Rate: 1.974%
APR: 2.071%

In Jacksonville, the place where Florida begins, you can find a mortgage loan that's priced right. Here's how to get started:

  • Do the research.
  • Know the interest rates.
  • Define your goals.
  • Request multiple quotes.
  • Run the numbers.

As you work through the process, use the tools available on to save you time and money. The site's extensive mortgage-related content and interest rate information make research easy. And you can quickly collect rate quotes by submitting a request online, or by calling the brokers directly, using our Jacksonville broker directory. also has a complete assortment of mortgage calculators, giving you the power to compare quotes with ease.

Second Mortgages

In Jacksonville, second mortgages come in two forms: the fixed-rate home equity loan or adjustable-rate home equity line of credit (HELOC). Both instruments are secured by your home equity-which is the value of the home minus the first mortgage debt. Some mortgagors will lend against 100 percent of home equity, but the more conservative lenders prefer to limit borrowing to 80 percent. Second mortgages carry the risk of foreclosure, since the loan or line of credit is collateralized by your home. For this reason, careful budgeting for those extra payments is vital. Most HELOCs have low, interest-only payments, but these won't reduce the debt balance.


Conforming and non-conforming mortgages are defined by the federal government. If a certain mortgage loan meets a set of mortgage-related criteria, it's considered conforming. This type of loan qualifies for the support of Fannie Mae and Freddie Mac, two federally chartered agencies that provide liquidity to the mortgage industry. It's in your best interests to obtain a conforming mortgage, because it will be less expensive than a non-conforming one.

The criteria include maximum loan size, maximum loan-to-value, maximum borrower debt-to-income ratio and minimum documentation, among other things. Since these limits can change, you should discuss them with your lender to get the specifics as they relate to your situation.

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Jumping headfirst into a mortgage search can leave you with more questions than answers. There are all types of fixed- and adjustable-rate mortgage loans, and not all of them are right for everyone. When you need help with the early research, turn to the reliable, mortgage-related articles available at also assists you with comparison shopping. You have two options in this regard:

  • Access the Jacksonville broker directory and contact lenders individually.
  • Complete a rate request online to receive competing quotes.

Comparing your personalized rate quotes is a step you should take very seriously.'s free mortgage calculators allow you to analyze total interest costs, monthly payments, amortization schedules, and other relevant factors with ease. Print out those calculated results, and you'll be organized and armed with the information to choose the right mortgage offer.