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: 01/07/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.516% APR 5.375% Rate 30 day rate lock $1,792 Payment per month
0.731 Points$2,339 Points Fee
$5,128 Total Fees$2,789 Lender Fees
 10 Years ARM
6.103% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.925 Points$2,960 Points Fee
$3,555 Total Fees$595 Lender Fees
 10 Years ARM
6.361% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.674 Points$2,157 Points Fee
$3,757 Total Fees$1,600 Lender Fees
 10 Years ARM
6.372% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.924 Points$2,957 Points Fee
$4,152 Total Fees$1,195 Lender Fees
 10 Years ARM
6.565% APR 6.375% Rate 45 day rate lock $1,997 Payment per month
1.000 Points$3,200 Points Fee
$6,400 Total Fees$3,200 Lender Fees
 10 Years ARM
6.607% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.715 Points$2,288 Points Fee
$3,658 Total Fees$1,370 Lender Fees
 10 Years ARM
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5.699% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.809 Points$2,589 Points Fee
$2,589 Total Fees$0 Lender Fees
 10 Years ARM
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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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