Compare Current Mortgage Rates in Harris County, TX
Exploring home purchase or refinance options in Houston, Pasadena, Pearland, Baytown, League City, or other Harris County cities? Begin by comparing today’s latest mortgage rates. With flexible loan programs and competitive terms, you can find monthly payments that match your financial goals and make your homeownership plans a reality.
Get a quoteThese rates, APRs, monthly payments, and points are current as of today and may change at any time. Calculations assume a FICO® Score of 780+, a single-family primary residence, and the purchase of up to one mortgage discount point in exchange for a reduced rate. For details about mortgage points and rate calculations, connect with a licensed loan officer today.
Purchase Mortgage Rates
Conventional Fixed-Rate Loans
Conventional fixed-rate loans offer predictable monthly payments and consistent interest rates for 15, 20, or 30 years. Perfect for borrowers who value stability, these loans typically require 3–20% down and may include private mortgage insurance depending on equity and credit profile.
Conforming Adjustable-Rate Mortgage (ARM) Loans
ARM loans feature an initially lower interest rate that adjusts after a set period. They’re ideal for borrowers who plan to sell or refinance within a few years, balancing early affordability with long-term flexibility.
Federal Housing Administration (FHA) Loans
FHA loans are government-backed options for buyers with low to moderate income or limited down payment funds. With just 3.5% down, they make homeownership accessible while requiring mortgage insurance for borrower protection.
Veterans Affairs (VA) Loans
VA loans, guaranteed by the Department of Veterans Affairs, offer no down payment and no private mortgage insurance for eligible veterans, active-duty members, and surviving spouses. These loans often feature some of the lowest available rates in Texas.
Jumbo Loans
Jumbo loans are designed for high-value properties that exceed conforming loan limits. They often require larger down payments and stronger credit profiles but allow buyers to finance luxury homes across the Houston metropolitan area.
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Refinance Mortgage Rates
Conventional Fixed-Rate Loans
Conventional fixed-rate refinance loans help homeowners secure a stable rate for predictable monthly payments. Those with at least 20% equity can often remove private mortgage insurance, reducing long-term costs and improving monthly affordability.
Conforming Adjustable-Rate Mortgage (ARM) Loans
ARM refinance loans can lower monthly payments during the initial fixed period. They’re suitable for borrowers planning to sell or refinance again before the adjustable phase, especially when interest rate trends favor short-term flexibility.
Federal Housing Administration (FHA) Loans
FHA refinance options—such as the FHA Streamline Refinance—simplify the process for existing homeowners. They often require less documentation and can help reduce monthly payments or shift from an adjustable to a fixed rate.
Veterans Affairs (VA) Loans
VA refinance loans—including the IRRRL (Interest Rate Reduction Refinance Loan)—allow qualified borrowers to lower their rate or convert an ARM to a fixed loan with minimal paperwork. VA loans remain a top option for long-term affordability.
Jumbo Loans
Jumbo refinance loans are ideal for homeowners with large mortgages looking to lower their interest rate or adjust loan terms. They’re commonly used for luxury or high-value properties throughout the Houston and Bay Area real estate markets.
Frequently asked questions about mortgage rates
1. Why do mortgage rates fluctuate in Harris County?
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2. What is the average mortgage rate trend in Houston?
3. How can I qualify for the lowest mortgage rate in Harris County?
4. Are VA loans available for homes in Harris County?
5. Should I refinance if my current rate is already low?
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