Neptune Beach, Florida Mortgage Rates

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Neptune Beach Home Purchase Rates

30-YR. Conventional

Rate 5.25%  APR 5.281%

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30-YR. FHA Loan

Rate 4.75% APR 5.483%

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30-YR. VA Loan

Rate 4.875% APR 5.025%

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Neptune Beach Refinance Rates

30-YR. Conventional

Rate 5.25% APR 5.292%

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30-YR. FHA Loan

Rate 4.75% APR 5.483%

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30-YR. VA Loan

Rate 4.875% APR 5.104%

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15 Year Rates in Neptune Beach are even LOWER!

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Rates based on a Loan Amount of $315,000, Loan to Value (LTV) 70%, Credit FICO Score 770 Rates, terms, and fees as 4/22/2022 11:00 AM Central Standard Time and subject to change without notice. Rates are posted daily at 11am Monday – Friday.  Rates are not posted on the weekend. Call the Smart Mortgage rate lock line now (888) 999-1350.

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    Check out our Neptune Beach, FL Mortgage Reviews

    Neptune Beach is a beachfront city east of Jacksonville in Duval County, Florida, United States. When the majority of Duval County communities consolidated with Jacksonville in 1968, Neptune Beach, along with Jacksonville Beach, Atlantic Beach and Baldwin remained quasi-independent. Like those other towns, it maintains its own municipal government but its residents vote in the Jacksonville mayoral election and are represented on the Jacksonville city council. The population was 7,037 at the 2010 census.[3] Neptune Beach is part of the Jacksonville Beaches community.

    Neptune Beach was originally part of Jacksonville Beach. Through its development, the part of Jacksonville Beach north of 20th Avenue North was sparsely populated, with a brick road (First Street) connecting the more populated southern area with Atlantic Beach. The name “Neptune Beach” originated in 1922 with Dan G. Wheeler, one of the few residents. Wheeler had a home at what is now One Ocean Hotel (now in Atlantic Beach), and had to walk all the way home from Mayport each evening after taking the Florida East Coast Railway train home from work in Jacksonville. A friend who worked for the railroad informed Wheeler that if he had a station, the train would have to stop for him, so Wheeler built his own train station near his home and named it Neptune.