Compare Today’s Mortgage Rates in Hunt County
Looking to explore purchase or refinance rate options in Greenville, Commerce, Quinlan, Caddo Mills, Celeste, and nearby Hunt County cities? Start by reviewing today’s latest mortgage rates. With flexible loan programs and competitive options, you can find monthly payments and terms that align with your long-term homeownership goals.
Get a quoteThese rates, APRs, monthly payments, and points reflect current market conditions and are subject to change without notice. They are based on a FICO® Score of 780+ and assume a single-family primary residence with a specific down payment amount noted for each loan type. Each example includes one mortgage discount point in exchange for a lower rate. For a detailed breakdown of rate calculations, speak with a licensed mortgage loan officer.
Purchase Mortgage Rates
Conventional Fixed-Rate Loans
Conventional fixed-rate loans in the U.S. provide predictable monthly payments with a steady interest rate for 15, 20, or 30 years. Ideal for buyers seeking long-term stability, these loans typically require 3–20% down payment and may include private mortgage insurance depending on equity.
Conforming Adjustable-Rate Mortgage (ARM) Loans
ARM loans start with a lower introductory rate before adjusting over time based on market conditions. They suit borrowers expecting future income growth or short-term homeownership, balancing lower initial payments with potential future rate shifts.
Federal Housing Administration (FHA) Loans
FHA loans, insured by the Federal Housing Administration, are designed for buyers with modest credit scores or limited down payments. With only 3.5% down, they open the door to homeownership while requiring mortgage insurance for borrower protection.
Veterans Affairs (VA) Loans
VA loans, supported by the U.S. Department of Veterans Affairs, allow eligible veterans, active-duty service members, and surviving spouses to buy homes with no down payment and no mortgage insurance. These loans provide flexible credit terms and some of the most competitive rates available.
Jumbo Loans
Jumbo loans exceed conforming loan limits and are ideal for luxury or high-value properties across Hunt County. They often require larger down payments, stronger credit profiles, and may carry slightly higher interest rates. Perfect for buyers purchasing premium homes.
Take your first step towards your home loan journey
Refinance Mortgage Rates
Conventional Fixed-Rate Loans
Conventional refinance loans lock in a fixed rate for predictable monthly payments over 15, 20, or 30 years. Homeowners with 20% equity or more can refinance to eliminate private mortgage insurance and lower overall monthly costs.
Conforming Adjustable-Rate Mortgage (ARM) Loans
Refinancing into an ARM can reduce initial monthly payments, especially when rates are low. Ideal for borrowers planning to sell or refinance again before the adjustable period begins, offering flexibility for shorter-term goals.
Federal Housing Administration (FHA) Loans
FHA refinance programs allow current homeowners to lower their interest rate, reduce monthly payments, or switch from an adjustable to a fixed-rate mortgage. The FHA Streamline Refinance makes the process easier with minimal documentation requirements.
Veterans Affairs (VA) Loans
VA refinance loans—including the Interest Rate Reduction Refinance Loan (IRRRL)—help qualified veterans lower their mortgage rate or move from an adjustable to a fixed-rate mortgage. No appraisal or income verification is often required, simplifying the process.
Jumbo Loans
Jumbo refinance loans help homeowners restructure larger mortgages to achieve lower rates or improved terms. These loans are best suited for high-value properties or borrowers looking to access home equity through a cash-out refinance.
Frequently asked questions about mortgage rates
1. What affects mortgage rates in Hunt County?
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2. Are Hunt County mortgage rates different from other Texas areas?
3. How can I secure the best rate in Hunt County?
4. Can I lock my rate while buying a home in Hunt County?
5. Is refinancing worth it if I already have a low rate?
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