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: 09/29/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.392% APR 5.125% Rate 30 day rate lock $1,743 Payment per month
0.791 Points$2,531 Points Fee
$8,131 Total Fees$5,600 Lender Fees
 30 Years FixedFHA Loan
6.486% APR 5.125% Rate 30 day rate lock $1,743 Payment per month
0.591 Points$1,891 Points Fee
$11,841 Total Fees$9,950 Lender Fees
 30 Years FixedFHA Loan
6.547% APR 5.250% Rate 30 day rate lock $1,768 Payment per month
0.611 Points$1,955 Points Fee
$9,545 Total Fees$7,590 Lender Fees
 30 Years FixedFHA Loan
6.577% APR 5.250% Rate 30 day rate lock $1,768 Payment per month
0.940 Points$3,008 Points Fee
$10,603 Total Fees$7,595 Lender Fees
 30 Years FixedFHA Loan
6.653% APR 5.375% Rate 30 day rate lock $1,792 Payment per month
0.674 Points$2,157 Points Fee
$8,882 Total Fees$6,725 Lender Fees
 30 Years FixedFHA Loan
6.655% APR 5.375% Rate 30 day rate lock $1,792 Payment per month
0.549 Points$1,757 Points Fee
$9,107 Total Fees$7,350 Lender Fees
 30 Years FixedFHA Loan
6.875% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.789 Points$2,525 Points Fee
$8,125 Total Fees$5,600 Lender Fees
 30 Years FixedFHA Loan
7.255% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.707 Points$2,262 Points Fee
$9,037 Total Fees$6,775 Lender Fees
 30 Years FixedFHA Loan
7.366% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.630 Points$2,016 Points Fee
$8,316 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
0% down payment USDA Loan options
6.520% APR 5.250% Rate 30 day rate lock $1,768 Payment per month
0.878 Points$2,810 Points Fee
$8,410 Total Fees$5,600 Lender Fees
 30 Years FixedFHA Loan
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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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