Today’s Mortgage Rates
These are live market rates updated in real time. Your exact rate depends on credit score, loan type, down payment, and property details. Use this as a guide — then let’s dial it in for you.
Mortgage Rates in Texas Today
Mortgage rates move with the market, but the rate available to you depends on the complete loan scenario. Use current market pricing as a starting point—then compare the rate, points, lender credits, mortgage insurance, fees and loan structure that apply to your file.
The advertised rate is not the whole mortgage.
Credit profile
Credit score, mortgage history and other risk factors can affect eligible pricing.
Loan structure
Loan type, term, fixed vs. adjustable structure and occupancy can materially change pricing.
Down payment or equity
Loan-to-value is a major pricing factor for many mortgage programs.
Property & purpose
Primary residence, second home, investment property, purchase and refinance scenarios can price differently.
Points & lender credits
A lower note rate may require more upfront cost; a higher rate may provide credits. Compare the breakeven.
Market timing
Mortgage-backed securities and lender pricing can move during the day, so an unlocked quote is not a guaranteed rate.
Rate vs. APR vs. cash-to-close
Rate determines the interest calculation on the note. APR is a disclosure measure that incorporates certain finance charges. Cash-to-close includes far more than either number. A useful comparison puts the rate, points, credits, lender fees, mortgage insurance and expected hold period side by side.
A better rate conversation
Bryce Kennemer is a Texas mortgage broker and Branch Manager with Guarantee Mortgage, LLC, NMLS #1808043. His personal funded-loan records include 840 closed loans totaling more than $260 million through August 4, 2026.
Mortgage Rates in Texas Today: FAQs
How often do mortgage rates change?
Mortgage pricing can change daily and sometimes multiple times in one day as market conditions and lender pricing change.
Is the rate shown online guaranteed?
No. A general market rate is not a rate lock. Exact pricing depends on the borrower, property, loan program and current market when the lender locks the loan.
Should I pay discount points for a lower rate?
It depends on the upfront cost, monthly savings and how long you expect to keep the mortgage. A breakeven analysis is more useful than assuming the lowest rate is automatically best.
Why can two borrowers receive different mortgage rates?
Credit, loan-to-value, occupancy, property type, loan amount, program, lock period and other factors can create different pricing on the same day.
Want numbers for your actual scenario?
Tell us what you are trying to accomplish. We can compare eligible loan structures and explain the payment, cash-to-close, pricing and underwriting tradeoffs before you decide.
Guarantee Mortgage, LLC | Company NMLS #279696 | Equal Housing Opportunity. For informational purposes only. Not a commitment to lend. All loans are subject to credit approval, underwriting, property and program eligibility. Rates, terms and guidelines may change without notice.
