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: 01/12/2026)
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
0.725 Points$2,320 Points Fee
$3,515 Total Fees$1,195 Lender Fees
 30 Years Fixed
5.753% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.972 Points$3,110 Points Fee
$4,505 Total Fees$1,395 Lender Fees
 30 Years Fixed
5.842% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
1.000 Points$3,200 Points Fee
$3,200 Total Fees$0 Lender Fees
 30 Years Fixed
5.865% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.910 Points$2,912 Points Fee
$4,100 Total Fees$1,188 Lender Fees
 30 Years Fixed
5.920% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.488 Points$1,562 Points Fee
$1,562 Total Fees$0 Lender Fees
 30 Years Fixed
6.048% APR 5.875% Rate 45 day rate lock $1,893 Payment per month
0.875 Points$2,800 Points Fee
$6,000 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.098% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.948 Points$3,034 Points Fee
$3,734 Total Fees$700 Lender Fees
 30 Years Fixed
6.970% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.968 Points$3,098 Points Fee
$3,098 Total Fees$0 Lender Fees
 30 Years Fixed
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5.688% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.691 Points$2,211 Points Fee
$2,211 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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