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: 10/30/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.750% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
1.000 Points$3,200 Points Fee
$4,395 Total Fees$1,195 Lender Fees
 30 Years Fixed
5.761% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
1.000 Points$3,200 Points Fee
$4,800 Total Fees$1,600 Lender Fees
 30 Years Fixed
5.870% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
1.000 Points$3,200 Points Fee
$4,195 Total Fees$995 Lender Fees
 30 Years Fixed
5.894% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
1.000 Points$3,200 Points Fee
$5,157 Total Fees$1,957 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
5.997% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.981 Points$3,139 Points Fee
$4,327 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.076% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.925 Points$2,960 Points Fee
$2,960 Total Fees$0 Lender Fees
 30 Years Fixed
6.088% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.818 Points$2,618 Points Fee
$3,368 Total Fees$750 Lender Fees
 30 Years Fixed
6.174% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.875 Points$2,800 Points Fee
$6,000 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.463% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.708 Points$2,266 Points Fee
$2,966 Total Fees$700 Lender Fees
 30 Years Fixed
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5.935% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.653 Points$2,090 Points Fee
$2,090 Total Fees$0 Lender Fees
 30 Years Fixed
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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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