Texas Refi Rates - Current Refinance Rates - 30 Years  Texas Lenders 30 Year Fixed Rates

Looking to refinance your existing mortgage loan? 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 refinance loan to ensure you get the best rate and pricing.

(Last Updated: 07/27/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.327% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.750 Points$2,400 Points Fee
$6,899 Total Fees$4,499 Lender Fees
 30 Years Fixed
6.356% APR 6.250% Rate 15 day rate lock $1,971 Payment per month
0.505 Points$1,616 Points Fee
$3,611 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.418% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.500 Points$1,600 Points Fee
$5,967 Total Fees$4,367 Lender Fees
 30 Years Fixed
6.440% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.434 Points$1,389 Points Fee
$2,184 Total Fees$795 Lender Fees
 30 Years Fixed
6.452% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.500 Points$1,600 Points Fee
$7,162 Total Fees$5,562 Lender Fees
 30 Years Fixed
6.454% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.500 Points$1,600 Points Fee
$6,930 Total Fees$5,330 Lender Fees
 30 Years Fixed
6.454% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.538 Points$1,722 Points Fee
$2,772 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.459% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.886 Points$2,835 Points Fee
$2,835 Total Fees$0 Lender Fees
 30 Years Fixed
6.462% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.525 Points$1,680 Points Fee
$2,905 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.464% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.307 Points$982 Points Fee
$2,977 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.540% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.956 Points$3,059 Points Fee
$9,859 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.588% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.685 Points$2,192 Points Fee
$3,380 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.599% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.625 Points$2,000 Points Fee
$3,370 Total Fees$1,370 Lender Fees
 30 Years Fixed
6.601% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.709 Points$2,269 Points Fee
$3,497 Total Fees$1,228 Lender Fees
 30 Years Fixed
6.611% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.924 Points$2,957 Points Fee
$4,052 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.613% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.806 Points$2,579 Points Fee
$4,208 Total Fees$1,629 Lender Fees
 30 Years Fixed
6.617% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.911 Points$2,915 Points Fee
$4,151 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.620% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.922 Points$2,950 Points Fee
$4,345 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.644% APR 6.500% Rate 45 day rate lock $2,023 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.679% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.563 Points$1,802 Points Fee
$1,802 Total Fees$0 Lender Fees
 30 Years Fixed
6.796% APR 6.750% Rate 35 day rate lock $2,076 Payment per month
0.000 Points$0 Points Fee
$1,495 Total Fees$1,495 Lender Fees
 30 Years Fixed
6.837% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.553 Points$1,770 Points Fee
$2,865 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.839% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.916 Points$2,931 Points Fee
$2,931 Total Fees$0 Lender Fees
 30 Years Fixed
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6.553% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.554 Points$1,773 Points Fee
$1,773 Total Fees$0 Lender Fees
 30 Years Fixed
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Rate data provided by RateUpdate.com. Displayed by 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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