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Texas Mortgage Rates & Home Loans

The Short Version

Freedomstar Financial offers competitive Texas mortgage rates on conventional, FHA, VA, and jumbo home loans, licensed in Texas (License #152318). The 2026 baseline conforming loan limit in Texas is $832,750, with high-balance and jumbo financing available for higher loan amounts.

Texas combines no state income tax with strong job and population growth. High purchase volume across its major metros supports every major loan type, and VA demand is significant near military installations.

Licensed in Texas — Ivan Hendren, NMLS #152318· License #152318

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Today's Texas Mortgage Rates

Live best-execution rates from our lender network — as of July 21, 2026 at 11:15 AM PDT.

Conventional 30-Yr Fixed

6.000%

APR 6.101%

FHA 30-Yr Fixed

5.490%

APR 5.602%

VA 30-Yr Fixed

5.625%

APR 5.741%

Jumbo 30-Yr Fixed

6.125%

APR 6.203%

Rates subject to change. See Rate Assumptions.

Texas Home Loan Facts

Median Home Price

~$345,000

Curated statewide estimate.

2026 Conforming Limit

$832,750

Baseline one-unit limit.

2026 FHA Floor

$541,287

Higher in high-cost counties.

Property Taxes

Texas has no state income tax but relatively high property tax rates. A homestead exemption reduces taxable value on your primary residence and caps annual assessment increases.

Loan Limits & Market

Every Texas county uses the 2026 baseline conforming limit of $832,750. VA loans are heavily used near installations such as those in San Antonio (“Military City USA”).

Market facts last updated July 21, 2026.

First-Time Buyer Programs in Texas

TSAHC Home Sweet Texas

Down payment assistance and a first mortgage for eligible buyers, with a bonus option for veterans.

TDHCA My First Texas Home

Low-rate first mortgage plus down payment and closing-cost assistance for first-time buyers.

Program availability and terms are set by the administering agency and subject to change. Contact us to confirm current eligibility.

Licensed to Lend in Texas

Your Texas loans are handled by Ivan Hendren, NMLS #152318. Freedomstar Financial holds an active Texas mortgage license (#152318). See our full licensing & disclosures for details.

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Texas Mortgage FAQ

What is the conforming loan limit in Texas for 2026?

The 2026 conforming loan limit in Texas is $832,750 for a one-unit home in every county. Amounts above that are financed as jumbo loans.

Why are VA loans so common in Texas?

Texas has a large active-duty and veteran population, particularly around San Antonio. VA loans offer no down payment, no PMI, and competitive rates for eligible borrowers.

Is Freedomstar Financial licensed in Texas?

Yes. Freedomstar Financial is licensed to originate residential mortgages in Texas. Current license numbers are listed on this page and on our licensing page.