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: 10/28/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.599% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.750 Points$2,400 Points Fee
$3,525 Total Fees$1,125 Lender Fees
 30 Years Fixed
5.640% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.925 Points$2,960 Points Fee
$4,955 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.709% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.922 Points$2,950 Points Fee
$2,950 Total Fees$0 Lender Fees
 30 Years Fixed
5.789% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.807 Points$2,582 Points Fee
$5,782 Total Fees$3,200 Lender Fees
 30 Years Fixed
5.825% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.815 Points$2,608 Points Fee
$2,608 Total Fees$0 Lender Fees
 30 Years Fixed
5.846% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.702 Points$2,246 Points Fee
$3,341 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.989% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.873 Points$2,794 Points Fee
$4,121 Total Fees$1,327 Lender Fees
 30 Years Fixed
6.013% APR 5.875% Rate 45 day rate lock $1,893 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.090% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.860 Points$2,752 Points Fee
$3,452 Total Fees$700 Lender Fees
 30 Years Fixed
6.093% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.993 Points$3,178 Points Fee
$3,178 Total Fees$0 Lender Fees
 30 Years Fixed
Numbers you can trust
0% down payment USDA Loan options
"Unlock Your Dream Home with Us!"
$0 down payment for Veterans homebuying with a VA Loan
5.691% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.724 Points$2,317 Points Fee
$2,317 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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