Texas Refinance Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Texas mortgage refinance rates range from 4.50% to 8.50%, verified by MonitorBankRates as of October 5, 2026. Current mortgage refinance rates in Texas include Chemcel Federal Credit UnionChemcel Federal Credit Union1901 S US Highway 77 Byp, Alice, TX, 77414 3890A+5.0 ★Texas Ratio: 3.32% at 6.054%, Telco Plus Credit UnionTelco Plus Credit Union1010 S SOUTHEAST LOOP 323, Kilgore, TX, 75604A+5.0 ★Texas Ratio: 2.38% at 6.25%, Education First Federal Credit UnionEducation First Federal Credit Union1121 S Magnolia St Ste 900, Beaumont, TX, 75951 5624A+5.0 ★Texas Ratio: 3.82% at 6.00%, Brazos Valley Schools Credit UnionBrazos Valley Schools Credit Union1116 Soldiers Field Dr, Brenham, TX, 77084A+5.0 ★Texas Ratio: 4.82% at 6.50%, and Baxter Credit UnionBaxter Credit Union2280 N Greenville Ave, Richardson, TX, 75082 4412A5.0 ★Texas Ratio: 6.31% at 7.25%. Refinance rates as of October 5, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare refinance rates across all loan types in Texas side-by-side. Texas refinance rates currently start as low as 6.00% from Education First Federal Credit Union at 1121 S Magnolia St Ste 900, Beaumont, TX, 75951 5624. Rates are continually updated, so we recommend checking back frequently.
Refinance rates reflect actual verified offers from lenders actively lending to Texas homeowners. Your final approved rate will depend on your credit profile, loan-to-value ratio, cash-out amount, and daily market movements. Last Updated and Verified: October 5, 2026
Compare Refinance Rates Today in Texas
Rates shown are each lender’s posted rate for that loan type, which most lenders apply to purchase and refinance loans alike. Local Texas lenders are listed first in every tab. Among lenders that post both, refinance pricing currently runs about 0.180 points above the same lender’s purchase rate nationally. That premium is shown for context only; every rate in the table is the lender’s posted rate.
Texas 30 Year Fixed Refinance Rates
Annual Percentage Rate
- Oct 4, 20266.05%▲ from 5.50%
- Sep 14, 20265.50%first recorded
As Low As
- Oct 2, 20266.25%▲ from 6.10%
- Oct 1, 20266.10%▼ from 6.35%
- Sep 18, 20266.35%first recorded
APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
No additional details available.
No additional details available.
Lock in peace of mind for the long haul. A 30-year mortgage means lower monthly payments and lasting security. As low as
- Oct 1, 20267.25%▲ from 7.13%
- Sep 27, 20267.13%▲ from 7.00%
- Sep 22, 20267.00%▲ from 6.88%
- Sep 14, 20266.88%first recorded
No additional details available.
- Oct 1, 20267.28%▲ from 7.02%
- Sep 27, 20267.02%first recorded
No additional details available.
- Oct 2, 20267.29%▼ from 7.32%
- Oct 1, 20267.32%▲ from 7.17%
- Sep 27, 20267.17%first recorded
No additional details available.
- Oct 4, 20267.34%▲ from 7.21%
- Sep 25, 20267.21%▲ from 7.08%
- Sep 18, 20267.08%first recorded
No additional details available.
- Oct 5, 20267.35%▼ from 7.47%
- Oct 2, 20267.47%▲ from 7.35%
- Sep 29, 20267.35%▲ from 7.22%
- Sep 25, 20267.22%▲ from 6.97%
No additional details available.
- Oct 2, 20267.36%▲ from 7.24%
- Sep 27, 20267.24%▲ from 6.86%
- Sep 18, 20266.86%▲ from 6.61%
- Sep 14, 20266.61%first recorded
No additional details available.
- Oct 1, 20267.38%▲ from 6.99%
- Sep 27, 20266.99%▲ from 6.88%
- Sep 18, 20266.88%▲ from 6.49%
- Sep 14, 20266.49%first recorded
No additional details available.
- Oct 1, 20267.40%▲ from 6.90%
- Sep 14, 20266.90%first recorded
as low as; Rate effective as of: 10/1/2026, as of 1:30 P.M.
- Oct 2, 20267.42%▲ from 7.16%
- Sep 22, 20267.16%▲ from 7.07%
- Sep 18, 20267.07%▲ from 7.04%
- Sep 14, 20267.04%first recorded
Loan guaranteed by the Veterans Administration (VA). For those looking to purchase a new home.
- Oct 2, 20267.51%▲ from 7.20%
- Sep 29, 20267.20%▼ from 7.34%
- Sep 26, 20267.34%▲ from 6.97%
- Sep 21, 20266.97%▲ from 6.85%
No additional details available.
- Oct 1, 20267.56%▲ from 7.17%
- Sep 27, 20267.17%▲ from 6.93%
- Sep 18, 20266.93%▲ from 6.66%
- Sep 14, 20266.66%first recorded
No additional details available.
No additional details available.
- Oct 4, 20267.60%▲ from 7.35%
- Sep 25, 20267.35%▲ from 7.23%
- Sep 18, 20267.23%first recorded
No additional details available.
- Oct 2, 20267.63%▲ from 7.50%
- Sep 29, 20267.50%▲ from 7.25%
- Sep 21, 20267.25%first recorded
For those looking to purchase a new home.
- Oct 2, 20267.63%▲ from 7.35%
- Sep 29, 20267.35%▲ from 7.34%
- Sep 26, 20267.34%▲ from 7.12%
- Sep 21, 20267.12%▲ from 7.00%
Uses your primary residence's equity as collateral and offers possible tax benefits.
- Oct 2, 20267.71%▲ from 7.66%
- Sep 26, 20267.66%▲ from 7.33%
- Sep 18, 20267.33%▲ from 7.30%
- Sep 14, 20267.30%first recorded
No additional details available.
No additional details available.
- Oct 1, 20267.73%▲ from 7.21%
- Sep 18, 20267.21%first recorded
No additional details available.
- Oct 1, 20267.75%▲ from 7.36%
- Sep 18, 20267.36%first recorded
No additional details available.
- Oct 1, 20267.77%▲ from 7.26%
- Sep 18, 20267.26%first recorded
No additional details available.
- Oct 1, 20267.80%▲ from 7.29%
- Sep 18, 20267.29%first recorded
No additional details available.
- Oct 2, 20267.80%▲ from 7.68%
- Sep 25, 20267.68%first recorded
No additional details available.
- Oct 5, 20267.83%▲ from 7.71%
- Sep 29, 20267.71%▲ from 7.27%
- Sep 14, 20267.27%first recorded
No additional details available.
- Oct 2, 20267.85%▲ from 7.72%
- Oct 1, 20267.72%▲ from 7.58%
- Sep 27, 20267.58%▲ from 7.34%
- Sep 18, 20267.34%▲ from 6.95%
No additional details available.
- Oct 1, 20267.85%▲ from 7.34%
- Sep 18, 20267.34%first recorded
No additional details available.
- Oct 5, 20267.93%▲ from 7.68%
- Sep 25, 20267.68%▲ from 7.30%
- Sep 17, 20267.30%▲ from 6.92%
- Sep 14, 20266.92%first recorded
Rate as low as...; Payment example: $1486.39
- Oct 5, 20267.96%▲ from 7.71%
- Sep 25, 20267.71%▲ from 7.33%
- Sep 17, 20267.33%▲ from 6.95%
- Sep 14, 20266.95%first recorded
No additional details available.
- Oct 2, 20268.12%▲ from 7.74%
- Sep 27, 20267.74%▲ from 7.24%
- Sep 18, 20267.24%▲ from 6.48%
- Sep 14, 20266.48%first recorded
No additional details available.
No additional details available.
- Oct 1, 20268.38%▲ from 8.00%
- Sep 18, 20268.00%first recorded
No additional details available.
- Oct 1, 20268.44%▲ from 8.18%
- Sep 27, 20268.18%▲ from 8.06%
- Sep 14, 20268.06%first recorded
Loan requires mortgage insurance and guaranteed by the Federal Housing Administration (FHA). For those looking to purchase a new home.
- Oct 2, 20268.87%▲ from 8.52%
- Sep 29, 20268.52%▼ from 8.68%
- Sep 26, 20268.68%▲ from 8.23%
- Sep 21, 20268.23%▲ from 8.08%
Texas 15 Year Fixed Refinance Rates
As Low As
- Oct 2, 20265.50%▲ from 5.00%
- Oct 1, 20265.00%▼ from 5.25%
- Sep 18, 20265.25%first recorded
APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
No additional details available.
- Oct 2, 20266.00%▲ from 5.75%
- Sep 14, 20265.75%first recorded
No additional details available.
Get peace of mind with predictable monthly payments. Both traditional and short-term options available. As low as
- Sep 27, 20266.50%▲ from 6.25%
- Sep 18, 20266.25%▲ from 6.13%
- Sep 14, 20266.13%first recorded
No additional details available.
- Oct 1, 20266.58%▲ from 6.12%
- Sep 14, 20266.12%first recorded
No additional details available.
- Oct 2, 20266.67%▲ from 6.55%
- Sep 27, 20266.55%▲ from 6.30%
- Sep 22, 20266.30%▲ from 6.17%
- Sep 18, 20266.17%▼ from 6.30%
No additional details available.
- Oct 2, 20266.79%▼ from 6.81%
- Oct 1, 20266.81%▲ from 6.69%
- Sep 27, 20266.69%first recorded
No additional details available.
- Oct 1, 20266.81%▲ from 6.56%
- Sep 27, 20266.56%first recorded
as low as; Rate effective as of: 10/1/2026, as of 1:30 P.M.
- Oct 1, 20266.83%▲ from 6.55%
- Sep 22, 20266.55%▲ from 6.53%
- Sep 18, 20266.53%▲ from 6.43%
- Sep 14, 20266.43%first recorded
No additional details available.
No additional details available.
No additional details available.
- Oct 5, 20267.03%▼ from 7.16%
- Sep 29, 20267.16%▲ from 7.03%
- Sep 25, 20267.03%▲ from 6.65%
- Sep 17, 20266.65%▲ from 6.53%
For those looking to purchase a new home.
- Oct 2, 20267.10%▲ from 6.99%
- Sep 29, 20266.99%▼ from 7.02%
- Sep 26, 20267.02%▲ from 6.77%
- Sep 21, 20266.77%▲ from 6.54%
No additional details available.
- Oct 2, 20267.15%▲ from 7.02%
- Sep 27, 20267.02%▲ from 6.77%
- Sep 18, 20266.77%▲ from 6.65%
- Sep 14, 20266.65%first recorded
No additional details available.
- Oct 4, 20267.16%▲ from 7.04%
- Sep 25, 20267.04%▲ from 6.91%
- Sep 20, 20266.91%▲ from 6.79%
- Sep 18, 20266.79%first recorded
No additional details available.
No additional details available.
- Oct 2, 20267.20%▼ from 7.24%
- Oct 1, 20267.24%▲ from 7.14%
- Sep 27, 20267.14%▲ from 7.06%
- Sep 18, 20267.06%▲ from 6.41%
No additional details available.
- Oct 1, 20267.35%▲ from 7.10%
- Sep 18, 20267.10%first recorded
No additional details available.
- Oct 2, 20267.36%▼ from 7.38%
- Oct 1, 20267.38%▲ from 7.30%
- Sep 27, 20267.30%▲ from 7.21%
- Sep 22, 20267.21%▼ from 7.32%
No additional details available.
- Oct 1, 20267.43%▲ from 7.04%
- Sep 18, 20267.04%first recorded
No additional details available.
- Oct 5, 20267.45%▲ from 7.33%
- Sep 29, 20267.33%▲ from 6.90%
- Sep 14, 20266.90%first recorded
No additional details available.
- Oct 5, 20267.46%▲ from 7.21%
- Sep 25, 20267.21%▲ from 6.83%
- Sep 17, 20266.83%▲ from 6.45%
- Sep 14, 20266.45%first recorded
As Low As
- Oct 1, 20267.50%▲ from 7.38%
- Sep 18, 20267.38%first recorded
Rate as low as...; Payment example: $1885.84
- Oct 5, 20267.50%▲ from 7.25%
- Sep 25, 20267.25%▲ from 6.87%
- Sep 17, 20266.87%▲ from 6.49%
- Sep 14, 20266.49%first recorded
No additional details available.
- Oct 2, 20267.55%▲ from 7.43%
- Sep 27, 20267.43%▲ from 7.18%
- Sep 22, 20267.18%▲ from 7.05%
- Sep 18, 20267.05%▲ from 6.17%
Uses your primary residence's equity as collateral and offers possible tax benefits.
- Oct 2, 20267.65%▲ from 7.54%
- Sep 29, 20267.54%▼ from 7.57%
- Sep 26, 20267.57%▲ from 7.11%
- Sep 21, 20267.11%▲ from 7.09%
No additional details available.
Starting at $50,000
- Oct 2, 20268.76%▲ from 8.65%
- Sep 29, 20268.65%▲ from 8.53%
- Sep 26, 20268.53%▲ from 8.43%
- Sep 21, 20268.43%▼ from 8.44%
Texas 5/1 ARM Refinance Rates
No additional details available.
Term: initial fixed rate period (5 years); Published rate range: As low as 6.000%. As low as; Estimated Payment: $2,098.43 per month for initial fixed rate period (5 years)
- Oct 2, 20266.00%▲ from 5.75%
- Sep 25, 20265.75%first recorded
No additional details available.
No additional details available.
No additional details available.
No additional details available.
- Oct 5, 20265.64%▼ from 5.64%
- Oct 2, 20265.64%▲ from 5.47%
- Sep 25, 20265.47%▲ from 5.39%
- Sep 21, 20265.39%▲ from 5.33%
Annual Cap: 2.00%; Lifetime Cap: 5.00%; Minimum Loan Amount is $20,000; Maximum Refinance Loan to Value is 90%; Maximum Purchase Money 95% LTV
No additional details available.
- Oct 5, 20265.96%▼ from 5.96%
- Oct 2, 20265.96%▲ from 5.79%
- Sep 25, 20265.79%▲ from 5.73%
- Sep 21, 20265.73%▲ from 5.36%
No additional details available.
No additional details available.
- Sep 29, 20266.00%▲ from 5.75%
- Sep 14, 20265.75%first recorded
Term: initial fixed rate period (5 years); Published rate range: As low as 6.000%. Estimated Payment: $2,098.43 per month for initial fixed rate period (5 years)
- Oct 2, 20266.00%▲ from 5.75%
- Sep 17, 20265.75%first recorded
No additional details available.
No additional details available.
Rates and terms are subject to change without prior notice. Other restrictions may apply. Rates are for Purchase and Refinances of residential property - No Commercial Property or Manufactured Homes. 5/5 ARM Rate advertised is an Adjustable Rate Mortgage (ARM). The interest rates and payments may increase after consummation. For the first 60 months, the APR will be 6.047% with an estimated monthly payment of $61 per $10,000. After the initial fixed-rate period, your interest rate can increase or decrease annually according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure.
No additional details available.
As Low As; Your interest rate and payment are subject to change (up or down) every five years for the remaining loan term.
- Oct 2, 20266.09%▲ from 5.84%
- Sep 20, 20265.84%▲ from 5.59%
- Sep 14, 20265.59%first recorded
Enjoy a low initial rate that adjusts with the market. Various terms and options available. As low as
- Oct 1, 20266.13%▲ from 5.63%
- Sep 18, 20265.63%▲ from 5.50%
- Sep 14, 20265.50%first recorded
No additional details available.
As Low As
Rate as low as...; Payment example: $1278.93
- Oct 5, 20266.61%▲ from 6.24%
- Sep 17, 20266.24%▲ from 6.22%
- Sep 14, 20266.22%first recorded
5/1 Arm (30-Year)
No additional details available.
Term: 5/6 ARM 30-Year Variable
- Oct 5, 20266.79%▼ from 6.84%
- Oct 2, 20266.84%▲ from 6.79%
- Sep 29, 20266.79%▲ from 6.74%
- Sep 25, 20266.74%▲ from 6.57%
No additional details available.
No additional details available.
as low as; Rate effective as of: 10/1/2026, as of 1:30 P.M.
- Oct 2, 20267.07%▲ from 6.78%
- Sep 18, 20266.78%first recorded
Starting at $40,000
- Oct 2, 20267.94%▲ from 7.87%
- Sep 29, 20267.87%▲ from 7.75%
- Sep 26, 20267.75%▲ from 7.64%
- Sep 18, 20267.64%▼ from 7.66%
Texas 30-Year Jumbo Refinance Rates
$1,000,000; As Low As
- Oct 4, 20267.90%▲ from 7.37%
- Sep 14, 20267.37%first recorded
$1,600,000.00+; As Low As
- Oct 4, 20268.15%▲ from 7.63%
- Sep 14, 20267.63%first recorded
As Low As; Estimated Payment per $10,000: $111.02
- Oct 2, 20266.19%▲ from 5.94%
- Sep 20, 20265.94%▲ from 5.69%
- Sep 14, 20265.69%first recorded
As low as; Estimated Payment per $10,000: $111.02
- Oct 2, 20266.25%▲ from 5.99%
- Sep 20, 20265.99%▲ from 5.74%
- Sep 14, 20265.74%first recorded
Rate as low as... *
- Sep 25, 20266.66%▲ from 6.29%
- Sep 17, 20266.29%▲ from 6.25%
- Sep 14, 20266.25%first recorded
As Low As; Payment Example
No additional details available.
- Oct 5, 20266.80%▲ from 6.55%
- Sep 17, 20266.55%first recorded
No additional details available.
Based on a $1,200,000 Loan Amount with an 80% combined loan-to-value (CLTV) and FICO>=740. Estimated payment examples do not include taxes and insurance premiums; Rate and payment may increase after consummation and varies based on index and margin. Jumbo mortgage loans are mortgages in excess of $832,750 up to a maximum of $3,000,000 per loan. Primary or secondary owner occupied-residence, $1,200,000 loan amount, 80% Loan-to-Value, 2% annual adjustment and 5% over the lifetime of the loan.
As Low As; Estimated Payment per $10,000: $77.53
- Oct 2, 20267.06%▲ from 6.68%
- Sep 20, 20266.68%▲ from 6.43%
- Sep 14, 20266.43%first recorded
As low as; Estimated Payment per $10,000: $77.53
- Oct 2, 20267.09%▲ from 6.71%
- Sep 20, 20266.71%▲ from 6.46%
- Sep 14, 20266.46%first recorded
Finance higher-priced homes without a large down payment or multiple mortgages. As low as
- Oct 1, 20267.13%▲ from 6.88%
- Sep 18, 20266.88%▲ from 6.63%
- Sep 14, 20266.63%first recorded
No additional details available.
- Sep 29, 20267.14%▲ from 6.77%
- Sep 22, 20266.77%▲ from 5.88%
- Sep 18, 20265.88%first recorded
ARM rates, APRs and monthly payments are subject to increase after the initial fixed-rate period of five, seven, or 10 years and assume a 30-year term.
Offers a fixed rate for the first 7 years of the loan term. $806,501 - $2,000,000
- Oct 2, 20267.22%▲ from 7.16%
- Sep 29, 20267.16%▲ from 7.04%
- Sep 26, 20267.04%▲ from 6.94%
- Sep 14, 20266.94%first recorded
ARM rates, APRs and monthly payments are subject to increase after the initial fixed-rate period of five, seven, or 10 years and assume a 30-year term.
as low as; Rate effective as of: 10/1/2026, as of 1:30 P.M.
- Oct 2, 20267.27%▲ from 7.02%
- Sep 18, 20267.02%first recorded
No additional details available.
- Oct 5, 20267.30%▼ from 7.43%
- Oct 2, 20267.43%▲ from 7.30%
- Sep 29, 20267.30%▲ from 7.18%
- Sep 25, 20267.18%▲ from 6.93%
Jumbo Power Mortgage Rates
- Oct 5, 20267.34%▲ from 7.08%
- Sep 25, 20267.08%▲ from 6.70%
- Sep 17, 20266.70%▲ from 6.33%
- Sep 14, 20266.33%first recorded
No additional details available.
- Oct 2, 20267.38%▼ from 7.51%
- Oct 1, 20267.51%▲ from 7.13%
- Sep 27, 20267.13%first recorded
As Low As; Estimated Payment per $10,000: $69.07
- Oct 2, 20267.42%▲ from 7.05%
- Sep 20, 20267.05%▲ from 6.79%
- Sep 14, 20266.79%first recorded
No additional details available.
As low as; Estimated Payment per $10,000: $69.07
- Oct 2, 20267.45%▲ from 7.07%
- Sep 20, 20267.07%▲ from 6.82%
- Sep 14, 20266.82%first recorded
No additional details available.
- Oct 1, 20267.47%▲ from 6.96%
- Sep 14, 20266.96%first recorded
$766,551 -$999,999
- Oct 2, 20267.51%▲ from 7.01%
- Sep 14, 20267.01%first recorded
The rates shown are the current rates for the purchase of a single-family primary residence based on a 45-day lock period. These rates are not guaranteed and are subject to change. This is not a credit decision or a commitment to lend. Your final rate will depend on various factors including loan product, loan size, credit profile, property value, geographic location, occupancy and other factors.
The rates shown are the current rates for the purchase of a single-family primary residence based on a 45-day lock period. These rates are not guaranteed and are subject to change. This is not a credit decision or a commitment to lend. Your final rate will depend on various factors including loan product, loan size, credit profile, property value, geographic location, occupancy and other factors.
No additional details available.
$1; Loan Amount Example: $1,500,000.00; Monthly Payment Example: $12,314.23
- Oct 2, 20267.76%▲ from 7.26%
- Sep 14, 20267.26%first recorded
No additional details available.
- Oct 2, 20267.76%▲ from 7.26%
- Sep 14, 20267.26%first recorded
$766,551 -$999,999
- Oct 2, 20267.76%▲ from 7.26%
- Sep 14, 20267.26%first recorded
Jumbo Power Mortgage Rates
- Oct 5, 20267.80%▲ from 7.55%
- Sep 25, 20267.55%▲ from 7.17%
- Sep 17, 20267.17%▲ from 6.80%
- Sep 14, 20266.80%first recorded
Jumbo Power Mortgage Rates
- Oct 5, 20267.92%▲ from 7.67%
- Sep 25, 20267.67%▲ from 7.29%
- Sep 17, 20267.29%▲ from 6.91%
- Sep 14, 20266.91%first recorded
$1; Loan Amount Example: $1,500,000.00; Monthly Payment Example: $11,006.47
- Oct 2, 20268.01%▲ from 7.51%
- Sep 14, 20267.51%first recorded
No additional details available.
- Oct 2, 20268.01%▲ from 7.51%
- Sep 14, 20267.51%first recorded
As Low As; Advertised rate assumes the purchase of a single-family primary residence, 720 FICO, down payment of 0%.
Texas 15-Year Jumbo Refinance Rates
As Low As; Estimated Payment per $10,000: $85.74
- Oct 2, 20266.47%▲ from 6.22%
- Sep 20, 20266.22%▲ from 5.96%
- Sep 14, 20265.96%first recorded
As low as; Estimated Payment per $10,000: $85.74
- Oct 2, 20266.51%▲ from 6.26%
- Sep 20, 20266.26%▲ from 6.00%
- Sep 14, 20266.00%first recorded
No additional details available.
- Oct 2, 20266.93%▼ from 6.94%
- Oct 1, 20266.94%▲ from 6.81%
- Sep 27, 20266.81%first recorded
No additional details available.
$766,551-$999,999
- Oct 2, 20267.14%▲ from 6.64%
- Sep 14, 20266.64%first recorded
No additional details available.
No additional details available.
- Oct 5, 20267.34%▼ from 7.46%
- Sep 29, 20267.46%▲ from 7.34%
- Sep 25, 20267.34%▲ from 6.96%
- Sep 17, 20266.96%▲ from 6.83%
The rates shown are the current rates for the purchase of a single-family primary residence based on a 45-day lock period. These rates are not guaranteed and are subject to change. This is not a credit decision or a commitment to lend. Your final rate will depend on various factors including loan product, loan size, credit profile, property value, geographic location, occupancy and other factors.
Jumbo Power Mortgage Rates
- Oct 5, 20267.44%▲ from 7.19%
- Sep 25, 20267.19%▲ from 6.81%
- Sep 17, 20266.81%▲ from 6.43%
- Sep 14, 20266.43%first recorded
$1; Loan Amount Example: $1,500,000.00; Monthly Payment Example: $14,108.83
- Oct 2, 20267.75%▲ from 6.89%
- Sep 14, 20266.89%first recorded
No additional details available.
- Oct 2, 20267.75%▲ from 6.89%
- Sep 14, 20266.89%first recorded
Texas 5/1 Jumbo ARM Refinance Rates
As Low As; Your interest rate and payment are subject to change (up or down) every five years for the remaining loan term.
As Low As; Estimated Payment per $10,000: $59.96
- Oct 2, 20266.04%▲ from 5.79%
- Sep 20, 20265.79%▲ from 5.54%
- Sep 14, 20265.54%first recorded
No additional details available.
- Sep 29, 20266.13%▲ from 5.88%
- Sep 22, 20265.88%▲ from 5.68%
- Sep 14, 20265.68%first recorded
Rate as low as... *
- Sep 25, 20266.58%▲ from 6.20%
- Sep 17, 20266.20%▲ from 6.18%
- Sep 14, 20266.18%first recorded
As Low As; Payment Example
No additional details available.
- Oct 5, 20266.75%▲ from 6.53%
- Sep 17, 20266.53%first recorded
No additional details available.
Based on a $1,200,000 Loan Amount with an 80% combined loan-to-value (CLTV) and FICO>=740. Estimated payment examples do not include taxes and insurance premiums; Rate and payment may increase after consummation and varies based on index and margin. Jumbo mortgage loans are mortgages in excess of $832,750 up to a maximum of $3,000,000 per loan. Primary or secondary owner-occupied residence, $1,200,000 loan amount, 80% Loan-to-Value, 5% Rate Cap for one-time adjustment.
ARM rates, APRs and monthly payments are subject to increase after the initial fixed-rate period of five, seven, or 10 years and assume a 30-year term.
Texas FHA Loan Rates
Loan Amount Example: $300,000.00; Monthly Payment Example: $2,633.98
- Oct 2, 20266.84%▼ from 6.92%
- Sep 14, 20266.92%first recorded
No additional details available.
- Oct 2, 20266.84%▼ from 6.92%
- Sep 14, 20266.92%first recorded
Loan Amount Example: $300,000.00; Monthly Payment Example: $2,393.90
- Oct 2, 20267.41%▲ from 7.31%
- Sep 14, 20267.31%first recorded
No additional details available.
- Oct 2, 20267.41%▲ from 7.31%
- Sep 14, 20267.31%first recorded
Loan Amount Example: $300,000.00; Monthly Payment Example: $2,072.03
- Oct 2, 20267.42%▲ from 7.32%
- Sep 14, 20267.32%first recorded
No additional details available.
- Oct 2, 20267.42%▲ from 7.32%
- Sep 14, 20267.32%first recorded
No additional details available.
- Oct 5, 20265.96%▼ from 5.96%
- Oct 2, 20265.96%▲ from 5.79%
- Sep 25, 20265.79%▲ from 5.73%
- Sep 21, 20265.73%▲ from 5.36%
No additional details available.
- Oct 5, 20266.42%▼ from 6.42%
- Oct 2, 20266.42%▲ from 6.07%
- Sep 25, 20266.07%▲ from 6.04%
- Sep 21, 20266.04%▲ from 5.97%
No additional details available.
No additional details available.
- Oct 2, 20267.36%▼ from 7.38%
- Oct 1, 20267.38%▲ from 7.30%
- Sep 27, 20267.30%▲ from 7.21%
- Sep 22, 20267.21%▼ from 7.32%
As Low As; Estimated Payment per $10,000: $86.43
- Oct 2, 20267.36%▲ from 7.11%
- Sep 25, 20267.11%▲ from 6.72%
- Sep 20, 20266.72%▲ from 6.60%
- Sep 14, 20266.60%first recorded
No additional details available.
No additional details available.
No additional details available.
No additional details available.
- Oct 1, 20267.76%▲ from 7.24%
- Sep 22, 20267.24%first recorded
No additional details available.
No additional details available.
- Oct 4, 20267.80%▲ from 7.67%
- Sep 25, 20267.67%▲ from 7.55%
- Sep 18, 20267.55%first recorded
As Low As; Estimated Payment per $10,000: $66.53
- Oct 2, 20267.82%▲ from 7.44%
- Sep 20, 20267.44%▲ from 7.18%
- Sep 14, 20267.18%first recorded
No additional details available.
- Oct 2, 20267.85%▲ from 7.72%
- Oct 1, 20267.72%▲ from 7.58%
- Sep 27, 20267.58%▲ from 7.34%
- Sep 18, 20267.34%▲ from 6.95%
No additional details available.
No additional details available.
No additional details available.
No additional details available.
- Oct 1, 20268.38%▲ from 8.00%
- Sep 18, 20268.00%first recorded
The rates shown are the current rates for the purchase of a single-family primary residence based on a 45-day lock period. These rates are not guaranteed and are subject to change. This is not a credit decision or a commitment to lend. Your final rate will depend on various factors including loan product, loan size, credit profile, property value, geographic location, occupancy and other factors.
Loan requires mortgage insurance and guaranteed by the Federal Housing Administration (FHA). For those looking to purchase a new home.
- Oct 2, 20268.87%▲ from 8.52%
- Sep 29, 20268.52%▼ from 8.68%
- Sep 26, 20268.68%▲ from 8.23%
- Sep 21, 20268.23%▲ from 8.08%
Texas VA Loan Rates
No additional details available.
- Oct 2, 20266.84%▲ from 6.20%
- Sep 14, 20266.20%first recorded
No additional details available.
- Oct 1, 20267.23%▲ from 6.71%
- Sep 22, 20266.71%first recorded
No additional details available.
- Oct 2, 20267.41%▲ from 6.69%
- Sep 14, 20266.69%first recorded
No additional details available.
- Oct 2, 20267.42%▲ from 6.80%
- Sep 14, 20266.80%first recorded
No additional details available.
No additional details available.
- Oct 5, 20266.75%▲ from 6.53%
- Sep 17, 20266.53%first recorded
Term: 5/6 ARM 30-Year Variable
- Oct 5, 20266.79%▼ from 6.84%
- Oct 2, 20266.84%▲ from 6.79%
- Sep 29, 20266.79%▲ from 6.74%
- Sep 25, 20266.74%▲ from 6.57%
No additional details available.
- Oct 5, 20266.80%▲ from 6.55%
- Sep 17, 20266.55%first recorded
Term: 7/6 ARM 30-Year Variable
- Oct 5, 20266.84%▼ from 6.91%
- Oct 2, 20266.91%▲ from 6.84%
- Sep 29, 20266.84%▲ from 6.78%
- Sep 25, 20266.78%▲ from 6.59%
No additional details available.
No additional details available.
As Low As; VA Mortgage
- Oct 2, 20267.05%▲ from 6.79%
- Sep 25, 20266.79%▲ from 6.41%
- Sep 20, 20266.41%▲ from 6.28%
- Sep 14, 20266.28%first recorded
No additional details available.
- Oct 2, 20267.20%▼ from 7.24%
- Oct 1, 20267.24%▲ from 7.14%
- Sep 27, 20267.14%▲ from 7.06%
- Sep 18, 20267.06%▲ from 6.41%
No additional details available.
- Oct 1, 20267.23%▲ from 6.71%
- Sep 22, 20266.71%first recorded
No additional details available.
- Oct 4, 20267.34%▲ from 7.21%
- Sep 25, 20267.21%▲ from 7.08%
- Sep 18, 20267.08%first recorded
As Low As; VA Mortgage
- Oct 2, 20267.42%▲ from 7.03%
- Sep 20, 20267.03%▲ from 6.77%
- Sep 14, 20266.77%first recorded
VA Loan Rates
VA Loan Rates
No additional details available.
The rates shown are the current rates for the purchase of a single-family primary residence based on a 45-day lock period. These rates are not guaranteed and are subject to change. This is not a credit decision or a commitment to lend. Your final rate will depend on various factors including loan product, loan size, credit profile, property value, geographic location, occupancy and other factors.
Loan guaranteed by the Veterans Administration (VA). For those looking to purchase a new home.
- Oct 2, 20267.51%▲ from 7.20%
- Sep 29, 20267.20%▼ from 7.34%
- Sep 26, 20267.34%▲ from 6.97%
- Sep 21, 20266.97%▲ from 6.85%
No additional details available.
No additional details available.
- Oct 1, 20267.56%▲ from 7.17%
- Sep 27, 20267.17%▲ from 6.93%
- Sep 18, 20266.93%▲ from 6.66%
- Sep 14, 20266.66%first recorded
No additional details available.
No additional details available.
No additional details available.
- Oct 1, 20267.75%▲ from 7.36%
- Sep 18, 20267.36%first recorded
No additional details available.
- Oct 1, 20267.80%▲ from 7.29%
- Sep 18, 20267.29%first recorded
No additional details available.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
National Refinance Rate Averages
Daily averages of posted rates across every lender we track, as of October 6, 2026. Use these as the benchmark for the Texas quotes above; lenders that price refinances separately currently run about 0.180 points higher.
Texas Refinance Rate Trends
Compare local Texas refinance quotes against the statewide average
Daily averages of posted first-mortgage rates across our lender network, updated every evening. Because most lenders price purchase and refinance loans identically, this is the benchmark a Texas refinance quote should be measured against, plus roughly 0.180 points at lenders that price refinances separately.
Texas 30-year fixed rates rose 0.121 points over the past 7 days to 7.414%.
Texas 15-year fixed rates fell 0.098 points over the past 7 days to 6.897%.
What Texas Homeowners Actually Pay to Refinance
Posted refinance rates from our lender network alongside the rates borrowers closed at, from federal HMDA filings
Two different measures. The refinance premium is computed nightly from lenders that publish separate purchase and refinance pricing. HMDA figures are median note rates on loans that actually closed.
Texas Refinance Rate Forecast, Next 12 Months
Where are Texas refinance rates headed through October 2027?
Based on Fed funds rate futures, 10-year Treasury path, and historical mortgage spread model. If the forecast shows rates falling, waiting may beat refinancing today; the break-even calculator below shows what each scenario is worth. Not financial advice.
What Forecast Rates Mean for Texas Homeowners Refinancing
Monthly principal & interest on a 30-year refinance of the loan of $227,040 (80% of the state median home value). Payment differences show what waiting for the forecast rate would be worth each month.
| Scenario | Rate | Mo. Payment | vs. Today | % of Income |
|---|---|---|---|---|
| Today (TX avg) | 7.414% | $1,574 | 24.1% | |
| 6-Month Forecast | 7.414% (7.06, 7.71%) | $1,574 | +$0/mo | 24.1% |
| 12-Month Forecast | 7.664% (7.31, 7.96%) | $1,613 | +$39/mo | 24.7% |
Income column = annual mortgage payment as % of Texas median household income ($78,476). Above 30% is generally considered cost-burdened.
Texas Refinance Break-Even Calculator
Enter your current loan and the refinance rate you have been quoted. The calculator shows the new payment, monthly savings, and how many months it takes for those savings to pay back the closing costs. Click a current Texas rate on the right to test it instantly.
Principal and interest only. Excludes escrow, mortgage insurance, and any prepayment penalty on the current loan. Lifetime interest compares the remaining interest on the current loan to total interest on the new loan. Estimates are for informational purposes only.
Run the Numbers on Your Texas Refinance
The rate is only part of the decision. Use these calculators to turn current Texas home refinance rates into monthly savings, break-even months, and total interest before you talk to a lender.
If you already own a home, enter your current rate, remaining loan balance, and the rate you’ve been quoted to refinance. The calculator shows your new monthly payment, how much you’d save each month, and the break-even point, the number of months it takes for your savings to cover the closing costs of refinancing.
CalculateEnter your loan amount, interest rate, and term length to see your estimated monthly principal and interest payment. Adjust any variable to model different scenarios: a larger down payment, a shorter term, or a rate a quarter-point lower than what you were quoted.
CalculateIf your goal is cash rather than a lower rate, compare current Texas home equity loan and HELOC rates against a cash-out refinance. Keeping a low existing first mortgage and adding a second lien is often the cheaper path, especially for loans originated between 2020 and 2022.
CompareTell us your gross income, monthly debt obligations, and how much you have for a down payment. We’ll show you the home price range you’re likely to qualify for at current Texas rates, so you can shop with a realistic number in mind rather than discovering your ceiling after you’ve fallen in love with a property.
CalculateTypes of Refinance Loans Available in Texas
Homeowners across Texas can choose from several refinance programs. The right one depends on what you are trying to do: lower the rate, shorten the term, pull cash out, or drop mortgage insurance. Pricing, appraisal requirements, and eligibility differ across each, and the cheapest program is not always the lowest posted rate once fees are counted.
Rate-and-Term Refinance
The standard refinance. You replace your existing mortgage with a new loan for about the same balance, changing only the rate, the term, or both. It is the lowest-priced refinance product at nearly every Texas lender because the loan-to-value ratio does not rise.
Best for homeowners whose rate is at least half a point above today’s Texas average and who plan to stay past the break-even point. Choosing a term that matches your remaining years, rather than resetting to 30, keeps the payoff date where it is.
Cash-Out Refinance
A cash-out refinance replaces your mortgage with a larger one and hands you the difference at closing. Conventional lenders cap the new loan at 80% of appraised value; VA cash-out loans go to 90%. Rates run above rate-and-term pricing.
If you hold a low rate from 2020 to 2022, a home equity loan or HELOC in Texas usually costs less than refinancing the whole balance at today’s rate to pull out cash.
FHA Streamline Refinance
For homeowners already in an FHA loan. No appraisal, no income verification, and limited credit review, as long as the new loan produces a net tangible benefit (generally a rate at least 0.5% lower, or a move from an ARM to a fixed rate). You need 210 days since the first payment and six on-time payments.
The upfront mortgage insurance premium is reduced to 0.01% and annual MIP continues, so FHA borrowers with 20% equity and good credit should also price a conventional rate-and-term refinance, which drops mortgage insurance entirely.
VA IRRRL (Streamline Refinance)
The Interest Rate Reduction Refinance Loan lets veterans refinance an existing VA loan with no appraisal, no income documentation, and a funding fee of just 0.5% (waived for borrowers with a service-connected disability). Closing costs can be rolled into the loan.
The new rate must be lower than the current one unless you are moving from an ARM to a fixed rate, and you must recoup closing costs within 36 months. VA lenders in Texas quote IRRRL pricing separately, so ask for it by name.
USDA Streamlined-Assist Refinance
For homeowners with an existing USDA Rural Development loan. No appraisal or credit review in most cases, and the new payment must be at least $50 a month lower than the current one. The property no longer has to meet the rural eligibility map.
Twelve months of on-time payments are required, and the 1% upfront guarantee fee plus the annual fee apply to the new loan.
Jumbo Refinance
The 2026 FHFA conforming baseline in Texas is $832,750 for most counties, higher in designated high-cost areas. A refinance above the county limit is a jumbo loan, priced and underwritten lender by lender.
Jumbo refinances usually require a 700 or higher credit score, reserves of six to twelve months of payments, and a loan-to-value of 80% or less. Because balances are large, even a quarter-point rate difference is worth thousands a year, so compare the 30-Year Jumbo and 15-Year Jumbo tabs above closely. If paying the balance down to the conforming limit at closing is possible, conforming refinance pricing is often noticeably better.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Texas refinance rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Refinance Rate Data: We aggregate mortgage and refinance rates for Texas directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Where a lender publishes a product specifically for refinancing, that product is listed by name; where a lender publishes one rate sheet for purchase and refinance loans, that rate is shown as the refinance rate, which is how the lender itself quotes it.
Refinance Premium and HMDA Figures: The refinance premium is the average difference between a lender’s refinance-labeled product and the same lender’s standard product of the same term, computed nightly across lenders that publish both. It is shown for context and is never added to any rate in the tables. HMDA figures are median note rates on first-lien, owner-occupied, one-to-four-unit loans originated in the most recent reporting year, from the Consumer Financial Protection Bureau’s public Loan/Application Register.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Texas. We feature a comprehensive mix of licensed NMLS financial institutions, from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in TX.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage and refinance rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data, including the Texas Ratio, ensuring you compare rates from secure, reliable lenders.
How a Mortgage Refinance Works in Texas
A refinance pays off your current mortgage with a new loan on the same Texas home. The new lender wires the payoff to the old lender at closing, and from that point you make payments on the new loan only. Because it is a brand-new mortgage, you go through an application, credit check, and usually an appraisal, and you pay closing costs, just as you did when you bought the home.
How Texas Refinance Rates Compare to Purchase Rates
Most Texas banks and credit unions post one rate sheet that applies to purchase and refinance loans alike, which is why the tables above show the same lenders you will find on our Texas mortgage rates page. For example, Chemcel Federal Credit Union is listing a 30-year fixed at 6.054% for either purpose. Some lenders price refinances separately and list them by name, such as USE Federal Credit Union’s ARM (Adjustable Rate Mortgage) Cash-Out at 5.125%. Across lenders that post both, refinance pricing currently runs about 0.180 points above the same lender’s purchase rate nationally. Cash-out refinances, investment properties, and second homes carry pricing add-ons at every lender.
Finding Your Break-Even Point in Texas
Divide total closing costs by the monthly payment savings and you get the number of months until the refinance has paid for itself. A Texas homeowner who expects to sell before that month should not refinance, no matter how good the rate looks. The calculator above runs this math with today’s local rates. A shorter break-even, under three years, is a comfortable margin; anything past five years needs a long stay to pay off.
Refinance Closing Costs and No-Closing-Cost Loans in Texas
Refinance closing costs in Texas typically run two to five percent of the loan and include the lender’s origination fee, appraisal, title search and lender’s title policy, recording fees, and prepaid interest. Discount points are optional and buy the rate down. A no-closing-cost refinance rolls the fees into a higher rate or the loan balance. It is not free, but it can be the better choice for a homeowner likely to move or refinance again within a few years, because there is nothing to recoup.
When Texas Homeowners Should Wait
Refinancing rarely pays when the new rate is less than half a point below the current one, when you are more than ten years into a 30-year loan and would reset the clock, or when your credit score has dropped since the original loan. Homeowners holding a rate from 2020 to 2022 are usually better served by keeping that loan and using a home equity loan or HELOC for cash needs. Our Texas refinance rate trends above show where rates have been over the past 90 days, and the forecast gives a sense of where they may head, so you can decide whether to lock now or wait.
Frequently Asked Questions about Refinance Rates in Texas
What are home loan refinance rates in Texas (TX) today?
Are refinance rates higher than purchase mortgage rates in Texas?
When does refinancing make sense in Texas?
How soon can I refinance a mortgage in Texas?
What is a rate-and-term refinance?
What is a cash-out refinance?
Does refinancing reset my 30-year term?
What are typical refinance closing costs in Texas?
What is the difference between interest rate and APR on a refinance?
Should I lock my refinance rate?
How do I find the best refinance lender in Texas?
What are the best refinance rates in Texas?
- Chemcel Federal Credit Union: 6.054% (30-year fixed)
- Telco Plus Credit Union: 6.25% (Mortgage - 30 Year Fixed)
- Education First Federal Credit Union: 6.00% (30 Year Fixed Rate Mortgage)
- Brazos Valley Schools Credit Union: 6.50% (90% Loan to Value - 30-Year Fixed Rate)
- Baxter Credit Union: 7.25% (30 Year Fixed Rate Mortgage)
Texas Rates & Resources
Home Refinance Rates by City in Texas (TX)
