Home Mortgage Loan Ratesin Texas

Planning on purchasing a new home? 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: 11/18/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.851% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.750 Points$2,400 Points Fee
$3,525 Total Fees$1,125 Lender Fees
 30 Years Fixed
5.933% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.625 Points$2,000 Points Fee
$2,000 Total Fees$0 Lender Fees
 30 Years Fixed
5.933% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.625 Points$2,000 Points Fee
$2,000 Total Fees$0 Lender Fees
 30 Years Fixed
5.945% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.761 Points$2,435 Points Fee
$2,435 Total Fees$0 Lender Fees
 30 Years Fixed
5.964% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.625 Points$2,000 Points Fee
$3,100 Total Fees$1,100 Lender Fees
 30 Years Fixed
5.971% APR 5.875% Rate 15 day rate lock $1,893 Payment per month
0.413 Points$1,322 Points Fee
$3,317 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.995% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.865 Points$2,768 Points Fee
$4,163 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.030% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.678 Points$2,170 Points Fee
$5,370 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.052% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.663 Points$2,122 Points Fee
$2,122 Total Fees$0 Lender Fees
 30 Years Fixed
6.074% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.564 Points$1,805 Points Fee
$2,900 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.088% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.717 Points$2,294 Points Fee
$3,482 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.122% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.947 Points$3,030 Points Fee
$4,358 Total Fees$1,328 Lender Fees
 30 Years Fixed
6.139% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.217% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.977 Points$3,126 Points Fee
$3,126 Total Fees$0 Lender Fees
 30 Years Fixed
6.234% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.945 Points$3,024 Points Fee
$3,724 Total Fees$700 Lender Fees
 30 Years Fixed
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0% down payment USDA Loan options
$0 down payment for Veterans homebuying with a VA Loan
5.936% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.659 Points$2,109 Points Fee
$2,109 Total Fees$0 Lender Fees
 30 Years Fixed
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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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