IMAGE: Woman with phone on couch holding small dog, looking at cat.

Rates

Rates

Our competitive rates and low fees help you reach your dream of homeownership. Contact a mortgage expert to answer your questions and to recommend the mortgage loan that best meets your needs. Schedule an appointment or call 254.774.5104 to speak with a Home Loan Hero.


Today's Home Purchase Rates

Type Term Rate1 APR2 Points
 Lender Fee Estimated Payment3
Conventional Fixed Rate 30-year 6.490% 6.588% 0% 0.50% $6.38 per $1,000 for 360 months
Conventional Fixed Rate 15-year 5.625% 5.783%  0% 0.50% $8.32 per $1,000 for 180 months
FHA Fixed Rate 30-year 6.125% 6.221% 0% 0% $6.14 per $1,000 for 360 months
FHA Fixed Rate 15-year 5.750% 5.908% 0% 0% $8.39 per $1,000 for 180 months
VA Fixed Rate 30-year 6.125% 6.221%  0% 0%
$6.14 per $1,000 for 360 months
VA Fixed Rate 15-year 5.750%  5.908% 0%
 0% $8.39 per $1,000 for 180 months
investment property 10-year 6.990% 7.409% 0.250% 0.50% $11.82 per $1,000 for 120 months
investment property 15-year 6.990% 7.289% 0.625% 0.50% $9.15 per $1,000 for 180 months
investment property 20-year 7.625% 7.760% 0% 0.50% $8.22 per $1,000 for 240 months
investment property 30-year 7.250% 7.353% 0% 0.50% $6.89 per $1,000 for 360 months
1 Loans currently financed with Texell are not eligible for refinance.
2 APR = Annual Percentage Rate.
3 The estimated payment calculations include principal and interest only. Taxes and insurance, if applicable, may increase your actual payment.
Mortgages - Fixed Rates current as of 7/7/2025.

Specialty Programs

Type Term Rate1 APR2 Points Lender Fee Estimated Payment3
First-time homebuyer purchase 30-year 6.625% 6.724% 0% 0% $6.47 per $1,000 for 360 months
first-time homebuyer purchase 15-year 5.750% 5.908% 0% 0% $8.39 per $1,000 for 180 months
jumbo fixed purchase 30-year 6.500% 6.560% 0% 0% $6.36 p$1,000 for 360 months
jumbo fixed purchase 15-year 5.625% 5.721% 0% 0% $8.29 per $1,000 for 180 months
jumbo arm purchase 7/6 arm 30-year 6.500% 6.560% 0% 0% $6.36 per $1,000 for 360 months
rapid refinance Fixed Rate 10-year 6.375% 6.375%   0% 0% $11.29 per $1,000 for 120 months
rapid refinance Fixed Rate 15-year 6.125% 6.125%
  0%
 0% $8.51 per $1,000 for 180 months
rapid refinance Fixed Rate 20-year 6.990% 6.990%  0% 0% $7.75 per $1,000 for 240 months
1 Loans currently financed with Texell are not eligible for refinance.
2 APR = Annual Percentage Rate
3 The estimated payment calculations include principal and interest only. Taxes and insurance, if applicable, may increase your actual payment.
Mortgages - Fixed Rates current as of 7/7/2025.

Today's Home Equity Rates

Type & Term
APR1 as low as
(1st Lien)
APR1 as low as
(2nd Lien)
Estimated Payment
1st Lien: top; 2nd Lien: bottom
5-year fixed rate 5.49% 6.49%
$19.10 per $1,000 for 60 months
$19.57 per $1,000 for 60 months
10-year fixed rate 5.74% 6.74%
$10.97 per $1,000 for 120 months
$11.48 per $1,000 for 120 months
15-year fixed rate 5.99% 6.99%
$8.43 per $1,000 for 180 months
$8.98 per $1,000 for 180 months
20-year fixed rate 6.49% N/A $7.45 per $1,000 for 240 months

1 APR = Annual Percentage Rate
2 Loans currently financed with Texell are not eligible for refinance.3 The estimated payment calculations include principal and interest only. Taxes and insurance, if applicable, may increase your actual payment.

Rates current as of 4/28/2025. Rates subject to change without notice, call to verify current rate. Rates listed are based on a credit score of 780. Home Equity Loans require a loan-to-value of no more than 80% and are for an owner occupied single family residence. No closing cost option for Home Equity Loans up to $50,000.

Today's Land Loan and Unimproved Property Rates

Land Loan Term APR1 as low as2 Estimated Payment3
5-year fixed rate 7.32% $19.95 per $1,000 for 60 months
10-year fixed rate 7.67% $11.96 per $1,000 for 120 months
15-year fixed rate 8.12% $9.63 per $1,000 for 180 months

1 APR = Annual Percentage Rate

2 Loans currently financed with Texell are not eligible for refinance.3 The estimated payment calculations include principal and interest only. Taxes and insurance, if applicable, may increase your actual payment.

Rates current as of 4/28/2025. Rates subject to change without notice, call to verify current rate. Rates listed are based on a credit score of 780. Minimum loan amount is $10,000. Borrow up to 80% of the fair market value or purchase price of the property.