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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 888.922.3001 to speak with a Home Loan Hero.


Today's Home Purchase Rates

Type Term Rate1 APR2 Lender Fee Estimated Payment
Conventional Fixed Rate 30-year 4.950% 5.103% 0.50% $5.43 per $1,000 for 360 months
Conventional Fixed Rate 15-year 4.000% 4.257% 0.50% $7.53 per $1,000 for 180 months
FHA Fixed Rate 30-year 4.000% 4.365% 0% $4.99 per $1,000 for 360 months
FHA Fixed Rate 15-year 3.875% 4.522% 0% $7.66 per $1,000 for 180 months
VA Fixed Rate 30-year 4.125% 4.182% 0%
$4.88 per $1,000 for 360 months
VA Fixed Rate 15-year 4.250%  4.352% 0% $7.57 per $1,000 for 180 months
investment property 10-year 4.000% 4.252% Varies $10.24 per $1,000 for 120 months
investment property 15-year 4.500% 4.679% Varies $7.74 per $1,000 for 180 months
investment property 20-year 4.625% 4.825% Varies $6.50 per $1,000 for 240 months
investment property 30-year 6.000% 6.218% Varies $6.14 per $1,000 for 360 months
1 Loans currently financed with Texell are not eligible for refinance.
2 APR = Annual Percentage Rate.
Mortgages - Fixed Rates current as of 5/2/2022.

Today's Refinance Rates

Type Term Rate1 APR2 Lender Fee Estimated Payment
rapid refinance Fixed Rate 10-year 5.000% 5.000% 0% $10.61 per $1,000 for 120 months
rapid refinance Fixed Rate 15-year 4.875% 4.875% 0% $7.84 per $1,000 for 180 months
rapid refinance Fixed Rate 20-year 5.500% 5.500% 0% $6.88 per $1,000 for 240 months
1 Loans currently financed with Texell are not eligible for refinance.
2 APR = Annual Percentage Rate
Mortgages - Fixed Rates current as of 5/13/2022.

Today's Home Equity Rates

Home Equity Term
First Lien APR1
as low as2
Second Lien APR1
as low as2
Estimated Payment
First Lien — top line
Second Lien — bottom line
5-year fixed rate 3.99% 4.99%
$18.41 per $1,000 for 60 months
$18.87 per $1,000 for 60 months
10-year fixed rate 4.34% 5.45 %
$10.29 per $1,000 for 120 months
$10.83 per $1,000 for 120 months
15-year fixed rate 4.44% 5.49%
$7.62 per $1,000 for 180 months
$8.17 per $1,000 for 180 months
20-year fixed rate 4.70% N/A $6.43 per $1,000 for 240 months

1 APR = Annual Percentage Rate
2 Loans currently financed with Texell are not eligible for refinance.

Rates current as of 5/2/2022. Rates subject to change without notice, call to verify current rate. Rates listed are based on a credit score of 740+. 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 $150,000.

Today's Land Loan and Unimproved Property Rates

Land Loan Term APR1 as low as2 Estimated Payment
5-year fixed rate 3.99 % $18.41 per $1,000 for 60 months
10-year fixed rate 5.75 % $10.98 per $1,000 for 120 months
15-year fixed rate 5.88 % $8.37 per $1,000 for 180 months

1 APR = Annual Percentage Rate

2 Loans currently financed with Texell are not eligible for refinance.

Rates current as of 4/5/2022. Rates subject to change without notice, call to verify current rate. Rates listed are based on a credit score of 740+. Minimum loan amount is $10,000. Borrow up to 80% of the fair market value or purchase price of the property.