I can't believe rates are this low!! I mean, I can believe it, but it is just simply awesome that rates are this low!! So here is what you need to get this rate: A Conventional Purchase or Rate and Term Refinance, 720 Credit Score, Loan Amount of $190,000.00 to $417,000.00, Single Family Residence in Florida. This can be a 30 or 25 Year fixed rate loan. Other restrictions may apply, so call for details. Rates are subject to change and they are not gonna stay this low forever!!! Also available, 15 Year Fixed @ 3.75%, 3.771 APR.