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Helping Homebuyers Win Since 1993!

As your Independent Mortgage Broker operating Nationwide, we help you Win using our cutting-edge platform to increase speed, lower rates, reduce cost, and make the process easier than Banks and typical Retail Lenders.
PurchaseRefinance

  • Kelly Naff was fantastic to work with. Answered all my questions as a first time home buyer, was available at odd hours, and worked overtime through the holidays to make sure my loan closed in the 22 days the Selling agent requested. I would recommend him to anyone looking to purchase and will be using… Carson A. - February 5, 2026
  • Kelly Naff was amazing to work with. He was always available to answer questions, run numbers, and guide us through every step—even after closing. His advice was honest and straightforward, and he genuinely cared about building a relationship, not just completing a transaction. We’re so grateful for his support and highly recommend him! Marilla Partridge - November 18, 2025
  • Kevin Rhine at Victory Home Loans is top of the line when it comes to mortgage brokers. From the beginning he was friendly and patient with all my question. I sent him over 100 addresses to get me stats and he assisted me with narrowing down the list to what was in my budget. He… Rose Dror - October 24, 2024
  • I highly recommend Victory Home Loans for all your mortgage needs. My husband and I needed help navigating through a refinance for our home and Jesse Mullen and the team at Victory were very professional, knowledgeable, and kind. We couldn’t haven’t asked for a better company to help us! We are so happy with our… Annie Garibay - May 29, 2024

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Current

Texas

Mortgage Rates

FHA Loans

Purchase - 30 Year Fixed

Rate6.88%

1W Change 0.25%

APR7.63%

1W Change 0.26%

Refinance - 30 Year Fixed

Rate5.43%

1W Change 0.00%

APR6.16%

1W Change 0.00%
Last Updated: 10/6/2026

Conventional Loans

Purchase - 30 Year Fixed

Rate7.68%

1W Change 0.09%

APR7.69%

1W Change 0.09%

Refinance - 30 Year Fixed

Rate7.84%

1W Change 0.09%

APR7.85%

1W Change 0.09%
Last Updated: 10/6/2026

VA Loans

Purchase - 30 Year Fixed

Rate6.82%

1W Change 0.01%

APR7.17%

1W Change 0.02%

Refinance - 30 Year Fixed

Rate6.84%

1W Change 0.01%

APR7.19%

1W Change 0.01%
Last Updated: 10/6/2026

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Victory Home Loans™ to receive a personalized rate for your specific situation.

Popular Texas Home Loans Which loan is right for YOU?

First Time Homebuyers Texas

FHA Home Loans Texas Texas

FHA home loans are popular among Texas first-time homebuyers due to low down payment and credit requirements.

FHA Loans
Conventional Home Loans Texas

Conventional Home Loans Texas Texas

A conventional(fixed-rate mortgage) is a popular type of home financing in Texas because it offers predictability for your budget.

Conventional Loans
Jumbo Mortgages Texas

Jumbo Home Loans Texas Texas

A jumbo home loan is a mortgage used to finance Texas properties that are too expensive for a conventional conforming loan.

Jumbo Loans

Mortgage Calculators

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

$

5%

1%

5%

0%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. View the FHA loan limits in your area.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Up-Front MIP (1.75%)$0

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

$

0%

4.5%

1%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Curious about refinancing your home in Texas? Now may be the right time to start saving money every month!

$
%
months
$
%
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice. ***As a result of refinancing, your total finance charges may be higher over the life of the loan.

Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!

$
$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Free Home Report

Get a property valuation, rent estimates, price history and market insights instantly!

You May Have Two Credit Scores That Matter for Your Mortgage Texas October 2, 2026

You May Have Two Credit Scores That Matter for Your Mortgage

For years, shopping for a home loan meant asking one question about credit: what is my score? That still matters. But after a September change at Fannie Mae and Freddie Mac, many conventional borrowers now face a second question that can change what the loan costs. On September 9, 2026, Fannie Mae and Freddie Mac…

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Two-Thirds of Builders Are Offering Incentives. Know What You Are Buying. Texas September 25, 2026

Two-Thirds of Builders Are Offering Incentives. Know What You Are Buying.

In September, two out of three U.S. home builders said they were using sales incentives to move houses, according to the NAHB/Wells Fargo Housing Market Index. That share rose to 66% from 63% in August, the highest reading since last December. Separately, 38% of builders reported cutting prices, with the average reduction holding at 6%…

Read Post
The Fed Raised Rates. That Is Not Why Your Mortgage Moved. Texas September 18, 2026

The Fed Raised Rates. That Is Not Why Your Mortgage Moved.

On Wednesday the Federal Reserve raised its benchmark rate by a quarter point to a target range of 3.75% to 4%. It was the first hike since 2023, and it was widely expected. If you are shopping for a home or watching your payment, you probably heard the same headline everywhere: the Fed hiked, so…

Read Post
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1301 Crawford Avenue, Suite 2
Granbury, Texas 76048
(844) 399-8946
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