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: 10/02/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.904% APR 6.750% Rate 15 day rate lock $2,076 Payment per month
0.960 Points$3,072 Points Fee
$5,067 Total Fees$1,995 Lender Fees
 30 Years Fixed
7.089% APR 6.990% Rate 30 day rate lock $2,127 Payment per month
0.836 Points$2,675 Points Fee
$3,388 Total Fees$713 Lender Fees
 30 Years Fixed
7.201% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.424 Points$1,357 Points Fee
$2,585 Total Fees$1,228 Lender Fees
 30 Years Fixed
7.206% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.813 Points$2,602 Points Fee
$2,602 Total Fees$0 Lender Fees
 30 Years Fixed
7.209% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.725 Points$2,320 Points Fee
$2,861 Total Fees$541 Lender Fees
 30 Years Fixed
7.215% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.525 Points$1,680 Points Fee
$2,905 Total Fees$1,225 Lender Fees
 30 Years Fixed
7.245% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.912 Points$2,918 Points Fee
$3,968 Total Fees$1,050 Lender Fees
 30 Years Fixed
7.261% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.875 Points$2,800 Points Fee
$4,370 Total Fees$1,570 Lender Fees
 30 Years Fixed
7.345% APR 7.250% Rate 30 day rate lock $2,183 Payment per month
0.636 Points$2,035 Points Fee
$3,271 Total Fees$1,236 Lender Fees
 30 Years Fixed
7.354% APR 7.250% Rate 30 day rate lock $2,183 Payment per month
0.635 Points$2,032 Points Fee
$3,402 Total Fees$1,370 Lender Fees
 30 Years Fixed
7.368% APR 7.250% Rate 30 day rate lock $2,183 Payment per month
0.621 Points$1,987 Points Fee
$3,887 Total Fees$1,900 Lender Fees
 30 Years Fixed
7.374% APR 7.250% Rate 30 day rate lock $2,183 Payment per month
0.804 Points$2,573 Points Fee
$3,968 Total Fees$1,395 Lender Fees
 30 Years Fixed
7.381% APR 7.250% Rate 30 day rate lock $2,183 Payment per month
0.827 Points$2,646 Points Fee
$4,275 Total Fees$1,629 Lender Fees
 30 Years Fixed
7.475% APR 7.375% Rate 30 day rate lock $2,211 Payment per month
0.745 Points$2,384 Points Fee
$3,179 Total Fees$795 Lender Fees
 30 Years Fixed
7.476% APR 7.375% Rate 30 day rate lock $2,211 Payment per month
1.000 Points$3,200 Points Fee
$3,200 Total Fees$0 Lender Fees
 30 Years Fixed
7.494% APR 7.375% Rate 30 day rate lock $2,211 Payment per month
0.713 Points$2,282 Points Fee
$3,776 Total Fees$1,494 Lender Fees
 30 Years Fixed
7.538% APR 7.490% Rate 35 day rate lock $2,236 Payment per month
0.000 Points$0 Points Fee
$1,495 Total Fees$1,495 Lender Fees
 30 Years Fixed
7.598% APR 7.500% Rate 30 day rate lock $2,238 Payment per month
0.961 Points$3,075 Points Fee
$3,075 Total Fees$0 Lender Fees
 30 Years Fixed
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7.311% APR 7.250% Rate 30 day rate lock $2,183 Payment per month
0.610 Points$1,952 Points Fee
$1,952 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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