Today's mortgage rates in Texas
Live wholesale Texas pricing as of August 27, 2026 09:54 AM. HomePilot's 30-year fixed rate in Texas is 6.375%, APR 6.398%.
Texas mortgage rates
Live wholesale pricing across the most-quoted loan products in Texas. Each card shows the par rate, APR, and monthly P&I on the sample scenario. Your actual rate depends on FICO, LTV, occupancy, and county.
Rates current as of August 27, 2026 09:54 AM.
Loan options
Texas mortgage options
30-year fixed
Lower monthly payments and a stable interest rate for the life of the loan.
15-year fixed
Faster payoff and less interest paid overall, but higher monthly payment.
FHA loan
Qualify with a lower credit profile and more debt compared to other options.
Jumbo loan
Financing for high-value homes above the conforming loan limits.
VA loan
Veterans benefit — buy with $0 down, no mortgage insurance.
Refinance & cash-out
Lower your rate, drop your payment, or tap your home equity.
We'll beat your Loan Estimate.
Or we'll pay you $500.
Got a quote from another lender? Send us their Loan Estimate. We'll line-item it against today's wholesale pricing, show you which deal is actually cheaper, and if they win, we'll say so. If we can't beat an eligible offer and you close with them, we pay you $500. Eligible offers, terms apply.
Tools
Run the numbers on your Texas payment
Our mortgage calculator runs full PITI — principal & interest, property tax (at the Texas effective rate of 1.60%), insurance, MI, and HOA — plus a year-by-year amortization schedule and a built-in buydown toggle.
Open mortgage calculatorWorth comparing
Already have a Loan Estimate from a Texas lender?
Our LE Review tool checks your numbers against today's wholesale pricing line by line, and tells you exactly where (if anywhere) you're being overcharged.
First-time buyer assistance
Down payment assistance programs in Texas
These stack on top of our wholesale-channel rate — meaning you can use Texas's DPA programs AND our pricing in the same loan. We work with the lenders that fund all of them.
TSAHC Homes for Texas Heroes
DPA program for full-time public-service workers — teachers, first responders, military, corrections officers, EMS. Grant of 3-5% of the loan amount (no repayment). Stacks with FHA, VA, USDA, or conventional financing.
See if you qualifyTDHCA My First Texas Home
First-time-buyer program with optional DPA second mortgage and Mortgage Credit Certificate (MCC) for federal tax credit on mortgage interest. Income- and purchase-price-limited.
See if you qualifyTSAHC Home Sweet Texas Home
TSAHC's general (non-public-service-worker) DPA program. Available to non-first-time buyers in some categories. DPA grant of 3-5% of loan amount; income-limited.
See if you qualifyFAQs
Frequently asked questions
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Reviews
What Texas clients say
Mortgage rates in other states we serve
HomePilot is licensed in AZ, CA, CO, FL, TX. Until each state has its own live rates page, here's our state-specific lender content:
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Important legal disclosures: Rates shown are illustrative and based on a 30-day commitment, 740+ FICO, 80% LTV, owner-occupied single-family property, and the loan amounts noted on each card. Your actual rate depends on credit, property, occupancy, loan-to-value, loan amount, county, and market conditions. APR includes upfront fees; it is not a commitment to lend. HomePilot is licensed in AZ, CA, CO, FL, TX — NMLS #2752340.