Zephyrhills, Florida Mortgage Rates

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Zephyrhills 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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Zephyrhills 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 Zephyrhills 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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    Zephyrhills is a city in Pasco County, Florida, United States. The population was counted at 17,194 in the 2020 census. It is a suburb of the Tampa Bay Metropolitan Statistical Area. Zephyrhills is also known as the headquarters of the Zephyrhills bottled water company and is a member of Tree City USA.

    Zephyrhills began as the town of Abbott on April 18, 1888, and consisted of 280.74 acres. A voting district was established in 1893 followed by a post office in 1896. In 1909, Captain Howard B. Jeffries, a Civil War Union veteran from Pennsylvania, purchased 35,000 acres and created the Zephyrhills Colony Company with a plan to create a community for Civil War veterans.[4] In 1910 the town voted to change its name to Zephyrhills; it was incorporated in 1914.[5]