Home Mortgage Loan Ratesin Texas

Planning on purchasing a new home? FHA Loans offer low down payments, low closing costs, and are easier to qualify in regards to income or credit score. Use ERATE®'s rate chart to compare today's top rates in Texas and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your home loan to ensure you get the best rate and pricing.

(Last Updated: 08/02/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.596% APR 5.250% Rate 30 day rate lock $1,768 Payment per month
0.789 Points$2,525 Points Fee
$11,325 Total Fees$8,800 Lender Fees
 30 Years FixedFHA Loan
6.676% APR 5.375% Rate 30 day rate lock $1,792 Payment per month
0.800 Points$2,560 Points Fee
$9,760 Total Fees$7,200 Lender Fees
 30 Years FixedFHA Loan
6.768% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.366 Points$1,171 Points Fee
$8,761 Total Fees$7,590 Lender Fees
 30 Years FixedFHA Loan
6.947% APR 5.625% Rate 45 day rate lock $1,843 Payment per month
1.000 Points$3,200 Points Fee
$10,795 Total Fees$7,595 Lender Fees
 30 Years FixedFHA Loan
7.135% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.983 Points$3,146 Points Fee
$8,746 Total Fees$5,600 Lender Fees
 30 Years FixedFHA Loan
7.219% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.675 Points$2,160 Points Fee
$7,760 Total Fees$5,600 Lender Fees
 30 Years FixedFHA Loan
7.388% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.874 Points$2,797 Points Fee
$9,097 Total Fees$6,300 Lender Fees
 30 Years FixedFHA Loan
As low as 0% down options & down payment assistance
$0 down payment for Veterans homebuying with a VA Loan
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0% down payment USDA Loan options
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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