Compare today’s mortgage rates in Harrison County
Looking to compare purchase or refinance mortgage rate options in Marshall, Hallsville, Uncertain, Waskom, Elysian Fields, and other Harrison County cities? Explore today’s updated mortgage rates to find competitive terms and monthly payments that align with your budget. From fixed to adjustable options, you can tailor the right loan for your dream home.
Get a quoteThese rates, APRs, monthly payments, and points are current as of today and may change at any time. They assume a FICO® Score of 780+, specific down payment percentages, and a single-family primary residence. Calculations include one mortgage discount point in exchange for a lower interest rate. For details on mortgage points, contact a local loan officer.
Purchase Mortgage Rates
Conventional Fixed-Rate Loans
Conventional fixed-rate mortgages provide predictable monthly payments and stable interest rates for 15, 20, or 30 years. These loans generally require a 3–20% down payment and may include private mortgage insurance (PMI). Borrowers with strong credit and stable income benefit from consistent payment structures over time.
Conforming Adjustable-Rate Mortgage (ARM) Loans
ARM loans feature initially lower interest rates that adjust periodically based on market performance. Ideal for short-term homeowners or those expecting income growth, ARMs balance early savings with potential future rate changes. Borrowers should evaluate long-term affordability before choosing this option.
Federal Housing Administration (FHA) Loans
FHA loans offer low down payments—as little as 3.5%—and are tailored for borrowers with limited credit history or moderate income. While mortgage insurance is required, this loan type makes homeownership accessible and affordable for first-time buyers and growing families in Harrison County.
Veterans Affairs (VA) Loans
VA loans provide zero down payment and no mortgage insurance, helping eligible veterans, service members, and their families secure homes with favorable terms. Backed by the Department of Veterans Affairs, these loans offer competitive rates and flexible qualification standards for those who’ve served.
Jumbo Loans
Jumbo loans finance high-value properties exceeding conforming limits, often seen in luxury home markets. They typically require higher down payments, strong credit, and detailed income verification. While rates may be slightly higher, jumbo loans help qualified borrowers purchase premium homes.
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Refinance Mortgage Rates
Conventional Fixed-Rate Loans
A conventional refinance loan provides stability with fixed monthly payments and the opportunity to lower your current interest rate. Borrowers with at least 20% equity may avoid PMI, improving long-term affordability while locking in predictable costs.
Conforming Adjustable-Rate Mortgage (ARM) Loans
ARM refinance loans can reduce payments initially through lower introductory rates. They work best for homeowners planning to sell or refinance before rate adjustments occur, allowing flexibility without long-term commitment to fixed rates.
Federal Housing Administration (FHA) Loans
An FHA refinance helps borrowers with limited equity or lower credit scores. Offering manageable terms and competitive rates, FHA refinances can reduce payments or shift from adjustable to fixed-rate options, improving overall stability.
Veterans Affairs (VA) Loans
VA refinance programs—such as the Interest Rate Reduction Refinance Loan (IRRRL)—simplify the process for veterans to secure better rates or convert adjustable loans to fixed rates. These refinances require no appraisal or income verification in many cases, offering convenience and savings.
Jumbo Loans
Refinancing a jumbo loan can help reduce monthly payments or access equity from a luxury property. While these loans involve stricter underwriting, qualified borrowers can benefit from competitive jumbo refinance rates tailored to larger mortgage balances.
Frequently asked questions about mortgage rates
1. What factors affect mortgage rates in Harrison County?
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2. Can I lock my mortgage rate while shopping for homes?
3. How often do mortgage rates change?
4. Are mortgage rates the same for purchases and refinances?
5. How can I get the lowest mortgage rate in Harrison County?
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