Last updated September 3, 2026
Premier Texas Mortgage Lenderfor Purchase & Refinance
Everything's bigger in Texas-including your home buying dreams. From Houston's energy corridor to Austin's tech hub, we've helped thousands of Texans achieve homeownership with competitive rates and local expertise.
Toll Free: 1-866-666-2378 (866-666-BEST)
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Texas Mortgage Rates: What Actually Sets Your Number
There is no single Texas mortgage rate. Published averages are a starting point, not a quote — two buyers purchasing the same Dallas, Austin, or Houston house on the same day can be quoted meaningfully different rates. Here is what moves your number, and where to price your own file.
Credit score and loan-to-value
Conventional pricing starts around a 620 FICO, FHA can go as low as 580 (or 500 with 10% down), and jumbo generally wants 700+. Higher scores and more equity lower both your rate and your mortgage insurance cost.
Program choice
Conventional, FHA, VA, USDA, jumbo, DSCR, and non-QM loans price differently, and the 2026 conforming limit is $832,750 — crossing that line changes which pricing applies to you.
Property taxes and the real payment
Texas has no state income tax but some of the highest effective property tax rates in the country, and escrowed taxes count against your debt-to-income ratio. We price using actual county assessments and factor in homestead exemptions.
Points, credits, occupancy, and lock length
Paying points buys the rate down; lender credits raise it to cover costs. Investment or second-home occupancy, Texas cash-out rules, and longer locks also carry pricing adjustments. We show these side by side so you can compare true cost.
Rate information as of September 3, 2026 and subject to change without notice. Your actual rate depends on credit, loan amount, property type, occupancy, and program. This is not a commitment to lend. All loans subject to credit approval.
Understanding the Texas Housing Market
Texas offers incredible housing value with no state income tax. Here's what you need to know about buying in the Lone Star State.
Texas Property Taxes
While Texas has no state income tax, property taxes average 1.74%-higher than the national average. We factor this into your qualification to ensure a comfortable payment. Many areas offer homestead exemptions that help.
Market Trends 2026
Texas metros continue to see population growth and job creation. Austin has stabilized after rapid appreciation, while Houston and DFW offer strong value. Inventory is improving, giving buyers more options.
Texas-Specific Rules
Texas has unique homestead protections and cash-out refinance rules. Our team understands Texas Section 50(a)(6) requirements and can help you navigate the state's specific lending regulations.
Corporate Relocations
Moving to Texas for work? We specialize in helping relocating buyers, whether you're coming for Tesla, Oracle, Toyota, or any of the many companies expanding in Texas. Remote closings available.
Mortgage Options for Texas Homebuyers
Every Texas borrower is unique. We offer a full range of loan products.
Conventional Loans
Traditional financing with competitive rates for qualified Texas buyers
Compare FHA vs. Conventional in Texas →FHA Loans
Low down payment options ideal for first-time buyers across Texas
Compare FHA vs. Conventional in Texas →VA Loans
Proudly serving our military at Fort Hood, Fort Sam Houston, and more
Jumbo Loans
Financing for luxury homes in Highland Park, River Oaks, and Westlake
Doctor Loans
Special programs for physicians at Texas Medical Center and UT Southwestern
Texas Cash-Out
Unique Texas cash-out refinance options under state guidelines
Areas We Serve in Texas
Licensed to serve all of Texas. Here are some of the communities we frequently help:
Don't see your city? No problem! We serve all 254 Texas counties including Harris, Dallas, Tarrant, Bexar, Travis, Collin, and more.
Frequently Asked Questions About Texas Mortgages
Answers to common questions from Texas homebuyers and investors.
Program terms, loan limits and eligibility figures are current as of August 2026 and subject to change without notice. This is not a commitment to lend; all loans are subject to credit approval.
Ready to Buy or Refinance in Texas?
Get pre-approved in minutes. Our Texas mortgage experts are standing by to help you find the best rate and loan program for your situation.
Toll Free: 1-866-666-2378 (866-666-BEST)
Texas Buyer Guides
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