El Paso Mortgage Rates & Home Loans
Freedomstar Financial offers competitive mortgage rates on conventional, FHA, VA, and jumbo home loans in El Paso, Texas (License #152318). El Paso County uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home, though El Paso’s affordability means most purchases fall well within that limit.
El Paso pairs some of Texas’s most attainable prices with a large military community around Fort Bliss. Affordability and VA loan fluency drive much of the purchase activity in this West Texas border metro.
Today's El Paso Mortgage Rates
Live best-execution Texas rates from our lender network — as of July 30, 2026 at 1:22 PM PDT.
Conventional 30-Yr Fixed
6.000%
APR 6.113%
FHA 30-Yr Fixed
5.625%
APR 5.779%
VA 30-Yr Fixed
5.625%
APR 5.795%
Jumbo 30-Yr Fixed
6.500%
APR 6.602%
Rates subject to change. See Rate Assumptions.
El Paso Home Loan Facts
Median Home Price
~$250,000
Curated El Paso estimate.
2026 Conforming Limit
$832,750
El Paso County baseline reference.
County
El Paso County
Loan limits are set at the county level.
Loan Limits & Market
El Paso County uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home, though El Paso’s affordability means most purchases fall well within that limit.
From the Westside and Upper Valley to the East Side near Fort Bliss, El Paso draws first-time buyers and military households. VA and FHA loans are especially common thanks to affordability and the base population.
El Paso Highlights
- Baseline conforming limit of $832,750 (2026)
- Strong VA demand near Fort Bliss
- One of the most affordable Texas metros
- FHA and VA financing widely used
Property Taxes in Texas
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.
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 El Paso, Texas
Your El Paso loans are handled by Ivan Hendren, NMLS #152318. Freedomstar Financial holds an active Texas mortgage license (#152318). See our full licensing & disclosures for details.
Meet Ivan HendrenEl Paso Mortgage FAQ
Why are VA loans common in El Paso?
El Paso is home to Fort Bliss, one of the largest Army installations in the country, giving it a large military population and heavy VA loan use. Eligible borrowers get no down payment, no PMI, and competitive rates.
What is the conforming loan limit in El Paso for 2026?
El Paso County uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home. Amounts above that are financed as jumbo loans.
Other Texas Markets
All of TexasAustin
Median ~$550,000
Tech-driven market with higher price points and jumbo activity.
Houston
Median ~$345,000
Large, diverse metro with strong purchase and refinance volume.
Dallas–Fort Worth
Median ~$400,000
Booming metroplex with broad demand across all loan types.
San Antonio
Median ~$300,000
“Military City USA” — exceptionally strong VA loan demand.
Corpus Christi
Median ~$290,000
Affordable Gulf Coast market with steady VA demand near naval installations.
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