What mortgage programs have the lowest rate?
VA loans, where the borrower is exempt from the VA funding fee due to a disability, are the lowest mortgage rates you can find. But this program is for military-related personnel only. If you are not qualified for a VA loan, you can opt for conventional mortgage loans, which offer the lowest mortgage rates when the homebuyer settles a 40% down payment.
Are Florida mortgage rates different by county?
It would be illegal to discriminate against borrowers based on the county they live in. So, no, mortgage rates are the same for all counties in Florida. However, keep in mind that mortgage rates are predominantly based on credit scores, loan amounts, down payment, the type of mortgage loan. How you're going to use the house you'll purchase also influences your rate, as investment property rates tend to be higher compared to single-family homes or condos. Mortgage lenders with higher mortgage rates usually speak for their profit and not the county.