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: 08/21/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.823% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.898 Points$2,874 Points Fee
$7,240 Total Fees$4,366 Lender Fees
 5 Years ARM
5.848% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.770 Points$2,464 Points Fee
$3,514 Total Fees$1,050 Lender Fees
 5 Years ARM
5.855% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.898 Points$2,874 Points Fee
$8,436 Total Fees$5,562 Lender Fees
 5 Years ARM
5.977% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.919 Points$2,941 Points Fee
$3,536 Total Fees$595 Lender Fees
 5 Years ARM
6.050% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.744 Points$2,381 Points Fee
$6,080 Total Fees$3,699 Lender Fees
 5 Years ARM
6.254% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.899 Points$2,877 Points Fee
$4,505 Total Fees$1,628 Lender Fees
 5 Years ARM
6.358% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.826 Points$2,643 Points Fee
$7,973 Total Fees$5,330 Lender Fees
 5 Years ARM
6.368% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.903 Points$2,890 Points Fee
$4,118 Total Fees$1,228 Lender Fees
 5 Years ARM
6.623% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.937 Points$2,998 Points Fee
$4,093 Total Fees$1,095 Lender Fees
 5 Years ARM
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5.966% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.981 Points$3,139 Points Fee
$3,139 Total Fees$0 Lender Fees
 5 Years ARM
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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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