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: 03/31/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.856% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.500 Points$1,600 Points Fee
$3,699 Total Fees$2,099 Lender Fees
 30 Years Fixed
5.967% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.500 Points$1,600 Points Fee
$3,418 Total Fees$1,818 Lender Fees
 30 Years Fixed
5.988% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.900 Points$2,880 Points Fee
$3,930 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.000% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.500 Points$1,600 Points Fee
$4,325 Total Fees$2,725 Lender Fees
 30 Years Fixed
6.020% APR 5.875% Rate 15 day rate lock $1,893 Payment per month
0.948 Points$3,034 Points Fee
$5,029 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.071% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.621 Points$1,987 Points Fee
$2,782 Total Fees$795 Lender Fees
 30 Years Fixed
6.085% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.600 Points$1,920 Points Fee
$2,920 Total Fees$1,000 Lender Fees
 30 Years Fixed
6.086% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.660 Points$2,112 Points Fee
$3,307 Total Fees$1,195 Lender Fees
 30 Years Fixed
6.109% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.827 Points$2,646 Points Fee
$3,741 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.119% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.718 Points$2,298 Points Fee
$8,498 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.141% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.525 Points$1,680 Points Fee
$4,880 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.158% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.813 Points$2,602 Points Fee
$5,802 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.207% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.872 Points$2,790 Points Fee
$2,790 Total Fees$0 Lender Fees
 30 Years Fixed
6.233% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.721 Points$2,307 Points Fee
$3,702 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.235% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.831 Points$2,659 Points Fee
$3,887 Total Fees$1,228 Lender Fees
 30 Years Fixed
6.238% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.897 Points$2,870 Points Fee
$3,865 Total Fees$995 Lender Fees
 30 Years Fixed
6.242% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.900 Points$2,880 Points Fee
$4,090 Total Fees$1,210 Lender Fees
 30 Years Fixed
6.259% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.928 Points$2,970 Points Fee
$4,752 Total Fees$1,782 Lender Fees
 30 Years Fixed
6.265% APR 6.125% Rate 45 day rate lock $1,945 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.315% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.691 Points$2,211 Points Fee
$2,211 Total Fees$0 Lender Fees
 30 Years Fixed
6.336% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.914 Points$2,925 Points Fee
$2,925 Total Fees$0 Lender Fees
 30 Years Fixed
6.489% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.832 Points$2,662 Points Fee
$3,990 Total Fees$1,328 Lender Fees
 30 Years Fixed
Veterans: Use your VA benefit to buy with 0% down
Numbers you can trust
As low as 0% down options & down payment assistance
6.181% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.601 Points$1,923 Points Fee
$1,923 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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