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: 12/19/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.723% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.735 Points$2,352 Points Fee
$3,540 Total Fees$1,188 Lender Fees
 30 Years Fixed
5.731% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.977 Points$3,126 Points Fee
$3,721 Total Fees$595 Lender Fees
 30 Years Fixed
5.740% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.875 Points$2,800 Points Fee
$4,035 Total Fees$1,235 Lender Fees
 30 Years Fixed
5.785% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.950 Points$3,040 Points Fee
$5,780 Total Fees$2,740 Lender Fees
 30 Years Fixed
5.846% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.424 Points$1,357 Points Fee
$3,352 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.853% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.625 Points$2,000 Points Fee
$3,600 Total Fees$1,600 Lender Fees
 30 Years Fixed
5.864% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.649 Points$2,077 Points Fee
$3,964 Total Fees$1,887 Lender Fees
 30 Years Fixed
5.865% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.925 Points$2,960 Points Fee
$4,010 Total Fees$1,050 Lender Fees
 30 Years Fixed
5.931% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.610 Points$1,952 Points Fee
$1,952 Total Fees$0 Lender Fees
 30 Years Fixed
5.953% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.500 Points$1,600 Points Fee
$2,775 Total Fees$1,175 Lender Fees
 30 Years Fixed
5.954% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.854 Points$2,733 Points Fee
$2,733 Total Fees$0 Lender Fees
 30 Years Fixed
5.961% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.586 Points$1,875 Points Fee
$2,970 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.971% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.801 Points$2,563 Points Fee
$3,313 Total Fees$750 Lender Fees
 30 Years Fixed
5.984% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.589 Points$1,885 Points Fee
$3,875 Total Fees$1,990 Lender Fees
 30 Years Fixed
5.998% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.897 Points$2,870 Points Fee
$4,265 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.046% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.605 Points$1,936 Points Fee
$1,936 Total Fees$0 Lender Fees
 30 Years Fixed
6.057% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.615 Points$1,968 Points Fee
$1,968 Total Fees$0 Lender Fees
 30 Years Fixed
6.067% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.824 Points$2,637 Points Fee
$2,637 Total Fees$0 Lender Fees
 30 Years Fixed
6.091% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.669 Points$2,141 Points Fee
$3,136 Total Fees$995 Lender Fees
 30 Years Fixed
6.163% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$5,600 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.233% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.931 Points$2,979 Points Fee
$3,679 Total Fees$700 Lender Fees
 30 Years Fixed
Use your VA Loan Benefit to get cash from your home equity
"Unlock Your Dream Home with Us!"
Refi from your sofa. It’s surprisingly simple.
Homeowners best kept secret for cash
5.837% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.953 Points$3,050 Points Fee
$3,050 Total Fees$0 Lender Fees
 30 Years Fixed
Updating Rates...
Updating Rates...
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.
Family moving in