Mortgage Rates

Conventional Fixed Rate1 Primary Home Purchase or Refi
 
30 Years

6.99% APR*

INCLUDES a special .25% LIMITED TIME rate discount for your primary home purchase or rate and term refi!8
 

Get A Home Equity Loan5 for Summer Home Improvements

15 Years

6.49% APR*

A flexible way to access your home’s equity for those Spring home improvements projects!  
 
 
Mortgage Term Options Mortgage Type
Interest Rate/APR*
As Low As
15-Year
20-Year
30-Year 
Conventional Fixed-Rate

 
6.49% / 6.78%
6.74% / 6.98%
6.99%8  /7.18%8
15-Year
20-Year
30-Year 
 100% Financing Fixed-Rate2
7.12% / 7.43%
7.37 % / 7.62 %
7.62% / 7.82%

Fixed-Rate Mortgage1

  • Competitive fixed rates
  • Low money down, up to 95% financing available
  • Low closing costs
  • 15/20/30-year terms

100% Financing - Choice100 Mortgage²

  • Competitive fixed rates
  • Zero down payment, up to 100% financing available
  • Low closing costs
  • 15/20/30-year terms
Mortgage Term Options Mortgage Type
Interest Rate/APR*
As Low As
5/1
7/1
10/1
 
5/1
7/1
10/1
Adjustable-Rate
 
 
 
FlexChoice Convertible 
6.37% / 6.55%
6.67% / 6.86%
6.97% / 7.16%
 
6.37% / 6.55%
6.75% / 6.93%
7.12% / 7.31%


FlexChoice Convertible3

  • Unique option to convert from an adjustable-rate to a fixed-rate mortgage after ONE year, at no cost
  • Lower adjustable interest rates
  • Initial 5/7/10-year terms with 1% annual rate caps

Adjustable-Rate Mortgage (ARM)4

  • Lower adjustable interest rates
  • 5/7/10-year ARMs with 1% annual rate caps

Mortgage Term Options Mortgage Type 
Interest Rate/APR*
As Low As
15-Year
20-Year
30-Year
 First Lien Home Equity5
6.49% / 6.96%
6.74% / 7.12%
6.99% / 7.29%
     
15-Year
20-Year 
 Second Lien Home Equity5
6.99% / 7.47%
7.24% / 7.63%


Home Equity Loans5

Get cash from the equity of your home to pay for home improvements, large purchases, and more. Plus, you can access your home's equity without refinancing your primary mortgage.
  • Borrow up to 80% of your homes fair market value
  • 1st or 2nd lien position options available

Mortgage Term Options Mortgage Type 
Interest Rate/APR*
Rates As Low As
Variable Rate Revolving Line of Credit - Draw Period + Repayment Period
 
1st Lien
2nd Lien
7.00%/7.06%
7.25%/7.31%


Home Equity Line of Credit (HELOC)6

Gives you the freedom to borrow against your home's equity whenever you need it. Unlike a traditional home equity loan, a HELOC offers flexibility-draw funds as needed during the draw period and pay interest only on what you use. Loan amounts from $75,000 to $250,000.  Available on a primary residence in Texas.  
Mortgage Term Options Mortgage Type
Rate/APR*
As Low As
10-Year
15-Year
20-Year
 Unimproved Residential Land6
7.74% / 8.30%
7.99% / 8.40%
8.24% / 8.58%


Texas Land Loans7

Whether you're looking to buy your very own hunting and fishing spot to enjoy the outdoors with family and friends, or a lot to one day build a retirement home in the country, our loan advisors are here to walk alongside you through the process of your unimproved land loan.
  • 5/10/15 and 20-year fixed terms available
  • Up to 80% LTV for less money down
  • Unimproved land loan amounts from $50,000 up to $500,000







Have Questions for a Mortgage Loan Officer?

Need to check rates or get a pre-approval started? Fill out the short form below to get a call back from a Mortgage Loan Officer within the next business day.

 

Disclosure

Mortgage Rates as of September 21, 2026 *APR = Annual Percentage Rate.  Rates are subject to change without notice. Each application is evaluated on an individual basis. Loan advances are granted based upon the applicant(s) credit history, ability to repay, purpose, stability and collateral.  Loan advances are not granted based upon method of repayment. 

  
1Conventional Fixed-Rate: Mortgage home loans are available on residential primary residences and second/vacation properties and investment properties located in Texas. Manufactured homes not allowed. $50,000 minimum loan amount.$832,750 maximum loan amount. Rate shown includes the Homebuyer Rate Reward.  Payment example: 12 monthly payments of $6.65 per $1,000 borrowed at 6.99% with a 30-year term.  15- and 20-year terms are available.  
2100% Financing Fixed-Rate: Purchase for primary residence Single Family Home or Townhome located in Texas only. Manufactured homes, and Condominiums not allowed. $50,000 minimum loan amount. $832,750 maximum loan amount.  Rate shown includes the Homebuyer Rate Reward.  Payment example: 12 monthly payment of $7.08 per $1,000 borrowed at 7.62% with a 30-year term.  15- and 20-year terms are available.  
3FlexChoice Convertible: Purchase for primary, second, and investment properties in Texas only. Manufactured homes and refinances not allowed.  $100,000 minimum loan amount. $832,750 maximum loan amount. 1.00% annual rate increase maximum after the initial loan term. This is an adjustable rate product.  Rate shown includes the Homebuyer Rate Reward. Payment example: 12 monthly payment of $6.24 per $1,000 borrowed at 6.37% with a 5/1 term. 7/1 and 10/1 terms are available.
4Adjustable-Rate:  Purchase and Rate/Term Refinance for primary, second, and investment properties in Texas only. Manufactured homes and cash-out refinances not allowed.$100,000 minimum loan amount. $832,750 maximum loan amount. 1.00% annual rate increase maximum after the initial loan term. This is an adjustable rate product. Rate shown includes the Homebuyer Rate Reward.  Payment example: 12 monthly payment of $6.24 per $1,000 borrowed at 6.37% with a 5/1 term. 7/1 and 10/1 terms are available.
5Home Equity Loans: Available on residential primary residences and second/vacation properties. Investment Properties, Manufactured homes, and Condominiums not allowed.  Available for first or second lien position only.  $50,000 minimum loan amount. $350,000 maximum loan amount. Payment example:  12 montly payments of $8.71 per $1,000 borrowed at 6.49% with first lien positon on a 15-year term.  20- and 30-year terms available.  

6Home Equity Line of Credit (HELOC): Minimum draw amount of $4,000. Maximum loan to value of 80%. Maximum credit line cannot exceed 80% of value of property. Texas residents are limited to establishing one home equity loan or home equity line of credit in a 12-month period on a single-family, owner-occupied Texas residence. This is an adjustable rate product. Payment example:  12 monthly payments of $7.75 per $1,000 borrowed at 7.00% with a first lien position on a 20-year term.  

7Land Loans: Unimproved Residential Land Loans are available on unimproved and rural residential properties located in Texas. Farm & ranch or any income-producing properties are not allowed.  $50,000 minimum loan amount. $500,000 maximum loan amount. Payment example:  12 monthly payments of $12.00 per $1,000 borrowed at 7.74% with a 10-year term.  15- and 20-year terms are available.  
8Homebuyer Rate Reward: This limited time offer applies to primary residential purchase loans and rate and term refinances only. The 0.25% rate reduction is applied at the time an executed contract is received. Rate adjustment is documented as “Rate Incentive.” Terms and conditions apply. Please contact us for further details.