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: 12/20/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.733% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.840 Points$2,688 Points Fee
$3,876 Total Fees$1,188 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
5.807% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.625 Points$2,000 Points Fee
$2,000 Total Fees$0 Lender Fees
 30 Years Fixed
5.845% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.408 Points$1,306 Points Fee
$3,301 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.950% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.622 Points$1,990 Points Fee
$2,585 Total Fees$595 Lender Fees
 30 Years Fixed
5.974% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.726 Points$2,323 Points Fee
$3,418 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.983% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.941 Points$3,011 Points Fee
$3,761 Total Fees$750 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
6.067% 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
6.087% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.624 Points$1,997 Points Fee
$2,992 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
Homeowners best kept secret for cash
Refi from your sofa. It’s surprisingly simple.
"Unlock Your Dream Home with Us!"
Discover multiple refinance options
Use your VA Loan Benefit to get cash from your home equity
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