If you’re buying or refinancing in Texas, mortgage rates are at their lowest point of 2025 making this one of the best times of the year to lock in a loan. A small difference in rate can save you thousands over the life of a mortgage so getting expert guidance matters.
At Alpine Mortgage, we work across Texas from Dallas–Fort Worth and Houston to Austin, San Antonio, and beyond, to help homeowners and investors secure the most competitive rates with fewer fees and less stress.
Current Mortgage Rates in Texas (as of September 2025)
Good news: Our rates are currently at the lowest levels we’ve seen all year, making September a great time to lock in your loan and save big. Here’s a look at today’s sample mortgage rates for qualified borrowers:
| Loan Type | Rate | APR | Fees | Action |
|---|---|---|---|---|
| 30 Year Fixed Conv | 5.875% | 5.989% | $995 | Apply Now |
| 20 Year Fixed Conv | 5.250% | 5.406% | $995 | Apply Now |
| 15 Year Fixed Conv | 4.875% | 5.061% | $995 | Apply Now |
| 30 Year Fixed FHA | 5.500% | 6.321% | $995 | Apply Now |
| 30 Year Fixed VA | 5.750% | 6.058% | $995 | Apply Now |
👉 Good news: Our rates are currently at the lowest levels we’ve seen all year making September an excellent time to secure your Texas mortgage.
How to Qualify for the Best Mortgage Rate in Texas
Getting the best rate isn’t just about timing — it’s about preparation. Here’s what lenders like us look for:
- Credit Score: 740+ is ideal, but FHA loans can work with scores as low as 500.
- Down Payment: Higher down payments often unlock better rates and remove PMI.
- Loan Type: Conventional, FHA, VA, Non QM, DSCR – each program has different rates.
- Property Type & Location: Single family homes typically receive the best pricing; condos and multi-units may price slightly higher.
Alpine’s expert team helps you optimize each factor and prepare a strong application so you can lock in the lowest rate.
Why Texas Buyers Choose Alpine Mortgage Over Big Banks
You could walk into your local branch but what you gain in familiarity, you might lose in flexibility.
Here’s why smart Texas homebuyers are choosing Alpine Mortgage:
| Feature | Alpine Mortgage | Big Bank |
|---|---|---|
| Access to multiple lenders | ✅ Yes | ❌ No (only in-house) |
| Custom rate shopping | ✅ Yes | ❌ Limited options |
| Same day pre-approvals | ✅ Yes | ❌ Slower processing |
| Local TX expertise | ✅ Yes | ❌ Generic service |
| Low closing costs | ✅ Yes | ❌ Often higher |
As both a direct lender and broker, we shop the market for you, giving you more options and stronger negotiating power than a single bank. Alpine Mortgage has helped Texans from Houston and Dallas to Austin and San Antonio- secure the best possible mortgage rates and close smoothly. Our combination of local knowledge and multi-lender access gives you an edge whether you’re purchasing, refinancing, or investing.
“The Alpine team made buying our first Texas home stress-free and saved us thousands in interest. Highly recommend!” – ⭐⭐⭐⭐⭐ William L, Austin, TX
Fixed vs. Adjustable Rates in Texas: What’s Right in 2025?
In a volatile market, 30 year fixed rates are still king for most Texas buyers. But if you’re planning to sell or refinance in the next 5-7 years, an adjustable-rate mortgage (ARM) could save you money upfront.
Common Questions from Texas Mortgage Shoppers
Q: What’s considered a good mortgage rate in Texas today?
A: In September 2025, anything under 6.00% for a 30-year fixed is considered highly competitive.
Q: How quickly can I close on my loan in Texas?
A: We can close your loan as quickly as 2 weeks.
Get a Custom Texas Rate Quote Today
Don’t settle for online rate teasers or “bait and switch” offers.
With Alpine Mortgage, you’ll get:
- Transparent pricing and closing costs
- Personalized advice tailored to Texas buyers and homeowners
- Fast responsive service from licensed TX professionals
Click below to get your secure, no obligation rate quote.
The conventional rates shown are based on a loan amount of $525,000 and a down payment of at least 25%. The FHA rates shown are based on a loan amount of $675,500 and a down payment of at least 3.5%. The VA rates shown are based on a loan amount of $700,000 and no down payment. TX Mortgage rates are subject to change at any time and are subject to mortgage approval with full documentation of income. All rates shown are for a 30 day rate lock with one discount point on the purchase or rate and term refinance of a single family primary residence with a 740 or higher FICO score.
