Smiling family of three outside of their home

Mortgage Rates

Conventional Fixed Rate1 Primary Home Purchase or Refi
 
Rates as low as 

6.12% APR*

INCLUDES a special .25% LIMITED TIME rate discount for your primary home purchase or refi!7
 

Get A Home Equity Loan5 for Summer Home Improvements

Rates as low as

5.74% 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

 
5.87% / 6.16%
6.12% / 6.35%
6.37%  /6.55%
15-Year
20-Year
30-Year 
 100% Financing Fixed-Rate2
5.99% / 6.27%
6.24 % / 6.47 %
6.49% / 6.67%

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 Mortgage 
 
 
 
FlexChoice Convertible Adjustable-Rate to Fixed-Rate (after ONE year with no refinancing fees)3
5.87% / 6.04%
6.17% / 6.35%
6.47% / 6.65%
 
5.87% / 6.04%
6.25% / 6.42%
6.62% / 6.80%


FlexChoice Convertible Mortgage3

  • 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
5.74% / 6.20%
5.99% / 6.36%
6.24% / 6.52%
     
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
6.75%/6.81%
7.00%/7.06%


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
7.75% / 8.31%
8.00% / 8.41%
8.25% / 8.59%


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 $100,000 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 June 26, 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: Mortgage home loans are available on residential primary residences and second/vacation properties and investment properties located in Texas. Manufactured homes not allowed. Maximum combined loan to value on primary residences is 95%, on second/vacation homes is 90%, and on investment properties is 85%. $50,000 minimum loan amount. $832,750 maximum loan amount.Rates shown are based on a $300,000 loan amount with an 80% LTV with a 740 FICO credit score.
2100% Financing Fixed-Rate Mortgage: Purchase for primary residence Single Family Home or Townhome located in Texas only. Manufactured homes, and Condominiums not allowed. Our maximum loan-to-value is 100% with a 43% maximum DTI and a minimum 680 FICO. Requires minimum of two years employment in same industry. No history of bankruptcy or foreclosures. Appraisal fee collected at time of ordering. $50,000 minimum loan amount. $832,750 maximum loan amount.  As low as rates shown are based on a $300,000 loan amount with an 80% LTV with a 740 FICO credit score.
3FlexChoice Convertible Mortgage: Purchase for primary, second, and investment properties in Texas only. Manufactured homes and refinances not allowed. Minimum 720 FICO credit score required for FlexChoice option. Modification rates are based on the current market at the time of conversion. Must be in ARM product for a minimum of one year prior to modification. After one year you have the option to modify your loan to a fixed-rate loan based on the current market rate at that time. No modification fee is charged. $100,000 minimum loan amount. $832,750 maximum loan amount. 1.00% annual rate increase maximum after the initial loan term. As low as rates shown are based on a $300,000 loan amount with an 80% LTV with a 740 FICO credit score.
4Adjustable-Rate Mortgage:  Purchase and Rate/Term Refinance for primary, second, and investment properties in Texas only. Manufactured homes and cash-out refinances not allowed. Minimum 620 credit score required. $100,000 minimum loan amount. $832,750 maximum loan amount. 1.00% annual rate increase maximum after the initial loan term. As low as rates shown are based on a $300,000 loan amount with an 80% LTV with a 740 FICO credit score.
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. Third lien position not allowed. Up to 80% of home’s appraised value minus the current mortgage. $50,000 minimum loan amount. $350,000 maximum loan amount. As low as rates shown are based on a $100,000 loan amount with an 80% LTF and a 740 FICO credit score.

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. As low as rates are based on a $100,000 loan amount with an 80% LTV and a 740 FICO credit score.  For full details, visit the Home Equity Line of Credit Page. 

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.  Our maximum loan-to-value is 80% with a 45% maximum DTI. Minimum 680 credit score required. No history of bankruptcy or foreclosures. Full appraisals and title policies are required. $100,000 minimum loan amount. $500,000 maximum loan amount. As low as rates shown are based on a $150,000 loan amount with an 80% LTV and a 740 FICO credit score.