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: 12/12/2025)
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
0.775 Points$2,480 Points Fee
$3,530 Total Fees$1,050 Lender Fees
 30 Years Fixed
5.856% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.750 Points$2,400 Points Fee
$3,770 Total Fees$1,370 Lender Fees
 30 Years Fixed
5.961% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.928 Points$2,970 Points Fee
$2,970 Total Fees$0 Lender Fees
 30 Years Fixed
5.973% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.719 Points$2,301 Points Fee
$3,396 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.999% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.902 Points$2,886 Points Fee
$4,281 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.218% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.993 Points$3,178 Points Fee
$3,178 Total Fees$0 Lender Fees
 30 Years Fixed
6.353% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.876 Points$2,803 Points Fee
$3,503 Total Fees$700 Lender Fees
 30 Years Fixed
0% down payment USDA Loan options
$0 down payment for Veterans homebuying with a VA Loan
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Numbers you can trust
5.838% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.964 Points$3,085 Points Fee
$3,085 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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