Texas refinance rates today
Today’s average refinance rates for Texas homeowners from Go Direct Lenders’ lending partners, plus what’s different about refinancing in Texas. Go Direct Lenders is licensed in Texas (Texas Department of Savings and Mortgage Lending, Mortgage Company License).
Rates as of · updated each business day
| Loan | Rate | APR | Monthly principal & interest |
|---|---|---|---|
| Conventional 30-year fixed | 7.418% | 7.451% | $2,774.43 |
| FHA Streamline 30-year fixed | 6.845% | 7.588% | $2,665.55 |
| VA IRRRL 30-year fixed | 6.866% | 6.937% | $2,638.44 |
How these rates are set. Each rate is the average of what Go Direct Lenders’ wholesale lending partners offer that business day for one sample loan, with no discount points. Your own rate and APR depend on your credit, loan-to-value, property and the market on the day you lock. Payments are principal and interest only; taxes, insurance and any mortgage insurance make the actual payment higher.
Conventional 30-year fixed rate/term refinance: 7.418% rate / 7.451% APR, based on a $400,000 refinance at 80% loan-to-value, a 760 credit score, a primary single-family residence, a 30-day rate lock and 0 discount points. 360 monthly principal-and-interest payments of $2,774.43. Estimated prepaid finance charges of $1,300 are included in the APR.
FHA Streamline 30-year fixed refinance: 6.845% rate / 7.588% APR, based on a $400,000 refinance at 96.5% loan-to-value, a 720 credit score, a primary single-family residence, a 30-day rate lock and 0 discount points. Includes the 1.75% FHA upfront mortgage insurance premium financed into the loan ($407,000) and monthly mortgage insurance. 360 monthly principal-and-interest payments of $2,665.55. Estimated prepaid finance charges of $7,922 are included in the APR.
VA IRRRL (Interest Rate Reduction Refinance Loan) 30-year fixed: 6.866% rate / 6.937% APR, based on a $400,000 refinance at 100% loan-to-value, a 720 credit score, a primary single-family residence, a 30-day rate lock and 0 discount points. Includes the 0.5% VA IRRRL funding fee financed into the loan ($402,000). 360 monthly principal-and-interest payments of $2,638.44. Estimated prepaid finance charges of $2,880 are included in the APR.
Refinancing in Texas: what’s different
- Texas has no tax based on the loan amount when you record a mortgage; county clerks charge per-page recording fees. [source]
- A cash-out refinance of a Texas homestead is a home-equity loan under Section 50(a)(6) of the Texas Constitution. All liens together can’t exceed 80% of the home’s value, the loan can’t close until 12 days after you apply or get the required notice (whichever is later), and only one can close every 12 months. [source]
- Fees on a Texas home-equity loan are capped at 2% of the principal (not counting interest, discount points, appraisal, survey, the title policy premium and a title exam report), and it must close at the office of a lender, attorney or title company. [source]
- If you have a Texas home-equity loan, you can refinance it into a regular rate-and-term loan under Section 50(f)(2) only if at least a year has passed, you take no cash out beyond costs and reserves, all liens stay at or under 80% of value, and you get a separate notice at least 12 days before closing. [source]
Rules change and every county runs things a little differently, so confirm the details for your loan with your closing agent. This isn’t legal or tax advice.
Texas conforming loan limits for 2026
A conforming loan can be bought by Fannie Mae or Freddie Mac, which usually means better pricing. For 2026 the baseline limit for a one-unit home is $832,750. All 254 Texas counties use the 2026 baseline of $832,750 for a one-unit home.
Source: FHFA 2026 conforming loan limits and the FHFA county list.
Licensed in Texas
Go Direct Lenders, LLC, NMLS #1028986, also doing business as Veterans Direct.
Texas Department of Savings and Mortgage Lending, Mortgage Company License.
Texas consumers: see the Texas Recovery Fund Notice.
To file a complaint with the state: Texas Department of Savings and Mortgage Lending.
Verify our licenses on NMLS Consumer Access.
Is refinancing worth it?
Compare your current rate with today’s, then run the numbers in our refinance calculator. If rates aren’t there yet, a free rate alert will tell you when they are.
Frequently asked questions
Are refinance rates different in Texas?
The rates on this page are the same sample-loan rates we show in every state we serve. Your actual rate in Texas depends on your loan amount, credit score, equity, property type and occupancy, and on the market the day you lock. State taxes and closing practices affect your closing costs, not usually your rate.
Is Go Direct Lenders licensed in Texas?
Yes. Go Direct Lenders, LLC (NMLS #1028986) holds a Texas Department of Savings and Mortgage Lending, Mortgage Company License. You can verify every state license on NMLS Consumer Access.
What is the 2026 conforming loan limit in Texas?
The 2026 baseline conforming loan limit for a one-unit home is $832,750, and the high-cost ceiling is $1,249,125. All 254 Texas counties use the 2026 baseline of $832,750 for a one-unit home.
How often are these rates updated?
Every business day, after our rate check runs late in the morning Pacific time.
Go Direct Lenders is not affiliated with or acting on behalf of the U.S. Department of Veterans Affairs, the Department of Housing and Urban Development, the Federal Housing Administration or any other government agency.
Go Direct Lenders, LLC DBA Veterans Direct | NMLS ID 1028986 | Equal Housing Opportunity. Not affiliated with the Department of Veterans Affairs or any government agency. By refinancing an existing loan, the consumer’s finance charges may be higher over the life of the loan.