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: 04/02/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.767% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.935 Points$2,992 Points Fee
$4,987 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.977% APR 5.875% Rate 15 day rate lock $1,893 Payment per month
0.484 Points$1,549 Points Fee
$3,544 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.979% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.625 Points$2,000 Points Fee
$3,818 Total Fees$1,818 Lender Fees
 30 Years Fixed
6.015% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.700 Points$2,240 Points Fee
$4,980 Total Fees$2,740 Lender Fees
 30 Years Fixed
6.058% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.450 Points$1,440 Points Fee
$2,035 Total Fees$595 Lender Fees
 30 Years Fixed
6.072% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.629 Points$2,013 Points Fee
$2,808 Total Fees$795 Lender Fees
 30 Years Fixed
6.080% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.669 Points$2,141 Points Fee
$3,191 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.105% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.800 Points$2,560 Points Fee
$3,610 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.128% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.990 Points$3,168 Points Fee
$4,550 Total Fees$1,382 Lender Fees
 30 Years Fixed
6.149% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.861 Points$2,755 Points Fee
$9,555 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.185% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.644 Points$2,061 Points Fee
$2,061 Total Fees$0 Lender Fees
 30 Years Fixed
6.186% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.652 Points$2,086 Points Fee
$2,086 Total Fees$0 Lender Fees
 30 Years Fixed
6.215% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.973 Points$3,114 Points Fee
$3,114 Total Fees$0 Lender Fees
 30 Years Fixed
6.229% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.781 Points$2,499 Points Fee
$3,594 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.248% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.970 Points$3,104 Points Fee
$4,332 Total Fees$1,228 Lender Fees
 30 Years Fixed
6.250% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.994 Points$3,181 Points Fee
$4,369 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.251% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.906 Points$2,899 Points Fee
$4,294 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.339% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.938 Points$3,002 Points Fee
$3,002 Total Fees$0 Lender Fees
 30 Years Fixed
6.340% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.641 Points$2,051 Points Fee
$3,046 Total Fees$995 Lender Fees
 30 Years Fixed
6.347% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.508 Points$1,626 Points Fee
$3,408 Total Fees$1,782 Lender Fees
 30 Years Fixed
6.403% APR 6.250% Rate 45 day rate lock $1,971 Payment per month
1.000 Points$3,200 Points Fee
$5,195 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.444% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.726 Points$2,323 Points Fee
$2,323 Total Fees$0 Lender Fees
 30 Years Fixed
6.501% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.858 Points$2,746 Points Fee
$4,241 Total Fees$1,495 Lender Fees
 30 Years Fixed
6.733% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.767 Points$2,454 Points Fee
$3,579 Total Fees$1,125 Lender Fees
 30 Years Fixed
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6.194% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.733 Points$2,346 Points Fee
$2,346 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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