Texas
Mortgage RatesAll 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.
FHA home loans are popular among Texas first-time homebuyers due to low down payment and credit requirements.
FHA Loans
A conventional(fixed-rate mortgage) is a popular type of home financing in Texas because it offers predictability for your budget.
Conventional Loans
A jumbo home loan is a mortgage used to finance Texas properties that are too expensive for a conventional conforming loan.
Jumbo LoansConventional 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.
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.
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!
Curious about refinancing your home in Texas? Now may be the right time to start saving money every month!
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June 5, 2026
If you've been watching the housing market from the sidelines, waiting for the perfect moment to make your move, you're not alone. The summer 2026 market is shaping up to be one of the most interesting we've seen in years—not because everything suddenly got easier, but because the landscape is shifting in ways that create…
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May 29, 2026
If you've been watching the housing market from the sidelines over the past couple years, you're not alone. Many would-be buyers have been playing the waiting game, hoping for conditions to shift in their favor. The good news? We're starting to see some meaningful changes that could make this spring the right time to make…
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May 22, 2026
If you've been sitting on the sidelines waiting for the "perfect" time to buy a home, you're not alone. Millions of would-be buyers have been playing the waiting game, hoping for some magical alignment of affordability, inventory, and opportunity. Here's the plot twist: that moment might actually be approaching, and it doesn't look quite like…
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