Mortgage Loans in Zephyrhills, FL

Looking for the lowest mortgage rates in Zephyrhills, FL? Compare offers from local banks and credit unions to find the best deal that fits your budget and goals. With clear options and friendly guidance, you can secure a loan that makes homeownership within reach.

Take advantage of competitive rates and flexible terms tailored to Zephyrhills buyers. Whether you’re a first-time homeowner or refinancing, comparing lenders helps you save money and avoid surprises. Start your journey with confidence and find the mortgage that works for you.

PurchaseRefinanceData Analysis

Filters

Loan Type
Lender
Loan Type
Rate
APR
Term
Link
Info
gogulfwinds
Conv
6.28 - 7.25 %
6.441 - 7.421 %
15 - 30 Yrs
∞
midflorida
Conv
6.5 %
6.591 %
30 Yrs
∞
tyndall
Conv
6.875 %
7.126 %
30 Yrs
∞

Today’s Mortgage Rates & Analysis - Updated on 2026-AUG-28

Federal Funds Rate - Trends & Analysis:

Today’s Fed Funds Effective Rate is 3.75%, unchanged from 7, 30, 60, and 90 days ago. When the Fed Funds rate is higher, it can put upward pressure on mortgage rates because lenders’ borrowing costs increase.

Credit Union Loan Rates - Trends & Analysis:

Gulf Winds offers a 15-year fixed rate at 6.5% and a 30-year fixed rate at 6.875%, both unchanged from last week. Their adjustable 3-, 5-, 7-, and 10-year ARMs start at rates between 6.28% and 6.58%, steady since a month ago. Midflorida shows a 30-year conventional fixed rate today at 6.5%. This rate has increased by 13 bp over the past 30 days. The 30-year conventional fixed rate for refinances is 6.24%. Tyndall offers a 30-year Conventional fixed mortgage at 6.875% today, up 13 bp from 30 days ago. Their 30-year FHA fixed rate is 6.375%, which increased by 25 bp over the past month. Both rates have held steady compared to last week.

Market Indicators - Data & Insights:

Today, Zillow's 30-year mortgage rate is 6.465%, slightly higher than Freddie Mac's 30-year rate at 6.650%. Zillow's 30-year rate is also higher than it was 7 days ago. These rates reflect current borrowing costs, which influence how many people can afford to buy homes and affect overall housing demand.

🏦 Local Lenders in Zephyrhills, FL

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🏘️ All the Lenders Available in Pasco County, FL

✅SAN ANTONIO CITIZENS FEDERAL CREDIT UNION
✅TRAX FEDERAL CREDIT UNION
✅SUNCOAST CREDIT UNION
✅FICARE FEDERAL CREDIT UNION
✅GROW FINANCIAL FEDERAL CREDIT UNION
✅ACHIEVA CREDIT UNION CREDIT UNION
✅MIDFLORIDA CREDIT UNION
✅FLORIDA WEST COAST CREDIT UNION
✅GTE FEDERAL CREDIT UNION
✅FLORIDA CENTRAL CREDIT UNION

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