Lendtrain offers mortgage refinance rates in Texas. Licensed as Lendtrain (NMLS# 1844873). Wholesale rates for conventional and VA loans. No credit check for your quote.

Licensed in Texas

Check Your Texas Mortgage Refinance Rate

Get a free rate quote from a licensed Texas mortgage broker. No application to start. No credit check for your quote. Takes about 30 seconds.

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Free Rate Quote

Texas homeowners refinancing a mortgage should separate rate-and-term refinances from cash-out loans, because homestead equity transactions follow Section 50(a)(6) rules. Texas is generally a title-closing state, and Lendtrain is licensed there as a mortgage broker. Wholesale pricing is scenario-specific and must be reviewed with APR, fees, equity, and payoff.

Rates as of July 10, 2026

Today's Texas Refinance Rate Snapshot

Product/termRateAPRPoints
Rate-and-term refinance30-year fixed6.250%6.273%-0.10
Cash-out refinance with $80,000 cash out30-year fixed6.990%7.020%-0.04

Snapshot assumptions

Conventional refinance; 30-year fixed; $400,000 loan amount; 75% loan-to-value; 740 credit score; single-family home; primary residence; state: Texas; date generated: July 10, 2026. Cash-out row assumes $80,000 cash out.

Estimates are based on the stated assumptions. Rates change without notice. This is not a commitment to lend or an offer of credit. Your rate depends on your scenario. Atlantic Home Mortgage, LLC dba Lendtrain. NMLS #1844873. Equal Housing Opportunity.

Why Refinance in Texas With Lendtrain

Texas is a title-closing state — no closing attorney required. That typically means lower closing costs than many other states.

Texas Has Unique Rules

Texas is a title closing state — no attorney required. However, Texas has unique homestead and equity rules for cash-out refinancing under Section 50(a)(6). We show all estimated costs and guide you through what applies.

Wholesale Rate Comparison

We compare wholesale lenders to find your rate. Estimated rate in about 30 seconds. Rates vary based on your profile and market.

Licensed in Texas

Lendtrain (NMLS# 1844873) is a licensed mortgage broker in Texas. A real brokerage, not a lead collection website.

Get Started in 30 Seconds

Answer a few questions about your current mortgage. Your estimated savings show up in about 30 seconds. No application, no credit pull for your quote.

How It Works

No paperwork, no waiting on hold. Get a real rate quote, see your estimated closing costs, and find out how much you could save — in four simple steps.

  1. Enter Your Mortgage Details

    Answer a few quick questions about your current mortgage — or upload your mortgage statement and we'll pull your rate, balance, and loan type automatically.

  2. Get Your Rate Quote

    We pull live wholesale rates based on your exact scenario. No guessing — real numbers.

  3. See Your Monthly Savings

    See exactly how much you could lower your monthly mortgage payment, your breakeven timeline on closing costs, and total interest savings over the life of the loan.

  4. Lock Your Rate and Apply

    Ready to lock in your refinance rate? Apply online in minutes — no branch visit required.

Takes about 30 seconds. No credit check for your quote.

Frequently Asked Questions About Texas Refinancing

What are current refinance rates in Texas?

Texas mortgage refinance rates shift daily with market conditions, your credit score, loan-to-value ratio, and loan type. Use our free rate checker to see today's estimated Texas refinance rates for your scenario in about 30 seconds.

How much does it cost to refinance in Texas?

Texas is a title closing state, so no closing attorney is required, which could save on closing costs. However, Texas has unique homestead equity rules under Section 50(a)(6) for cash-out refinancing — including limits on how much equity you can access. Typical Texas closing costs include title insurance, appraisal, and lender fees. Our tool shows you an itemized estimate for your specific scenario.

Is Lendtrain licensed in Texas?

Yes. Lendtrain (NMLS# 1844873) is a licensed mortgage broker in Texas and 9 other states.

Do I need a credit check to see my rate?

No. Our Texas refinance rate checker uses the information you provide — credit score range, loan balance, property value — to show estimated rates. No hard credit pull is performed for your quote.

What loan types are available for Texas refinancing?

We offer conventional and VA refinance products in Texas. This includes VA IRRRL (Interest Rate Reduction Refinance Loan) for eligible borrowers. For cash-out refinancing, Texas Section 50(a)(6) rules apply.

How long does it take to refinance in Texas?

A typical Texas mortgage refinance takes 30 to 45 days from application to closing. Getting your initial estimated rate through Lendtrain takes about 30 seconds.

How do you refinance your mortgage?

Begin by checking whether today's rates could beat your current one. With Lendtrain, you answer a few questions and see an estimated rate quote in about 30 seconds. If the numbers check out, you apply with a licensed loan officer who handles everything from application to closing. Most refinances take 30 to 45 days from start to finish.

When does refinancing make sense?

Refinancing may make sense when a lower rate gives you enough monthly savings to cover closing costs within a reasonable period of time. This is called the break-even point. For instance, if your estimated closing costs are a few thousand dollars and you could save a couple hundred per month, the break-even might happen in one to two years. Our free rate check shows estimated savings and estimated closing costs so you can crunch the numbers yourself. Rate quotes are estimates based on the credit score you enter. Actual rates may differ.

How often can you refinance your mortgage?

There is no legal limit on how frequently you can refinance your home. Most lenders, however, require a waiting period — generally six months — between refinances. It is only practical to refinance again when the savings are greater than the closing costs. Our free rate check can help you assess if it is the right time.

Can you refinance with a different lender?

Yes. You are not tied to your current lender when it comes to refinancing. Comparing lenders is one of the most effective ways to find a lower rate. As a mortgage broker, Lendtrain shops wholesale lenders on your behalf — taking the legwork out of the process.

How much does it cost to refinance a mortgage?

Refinancing comes with closing costs that generally include title insurance, appraisal fees, and lender fees. Texas is a title closing state, so no closing attorney is required — which could help keep costs lower. Keep in mind that Texas has unique homestead equity rules under Section 50(a)(6) for cash-out refinances. The exact amount depends on your loan size and lender. Our rate check tool shows you itemized estimated closing costs for your specific scenario — so you can see the full picture before moving ahead.

Are mortgage refinance fees tax deductible?

Certain refinance costs may be tax deductible, including mortgage points and some interest charges. Tax rules change and apply differently depending on your circumstances. We recommend talking to a tax professional for personalized guidance. Lendtrain does not provide tax advice.

Market facts on this page were last reviewed on . Each statistic is attributed to its source where it appears.

County Refinance Guides in Texas

County-level guides with sourced local market data — home values, loan limits, and the underwriting questions specific to each Texas county we serve.

Bexar County

Bexar County pairs Joint Base San Antonio's military community with the most affordable big-county values in Texas — $257,707 typical (Zillow, April 2026). VA IRRRL and equity guide with a 30-second rate check.

Read the guide →

Collin County

Collin County added 42,966 residents in a single year (Census via FRED, 2025) while posting Texas-leading household incomes of $124,920 (SAIPE 2024). A corporate-corridor guide to equity, jumbo questions, and loan cleanup.

Read the guide →

Dallas County

Dallas County prices climbed about 45% from 2020 to 2025, then went flat — the index moved just -0.1% into 2025 (FHFA via FRED). A plateau-market guide for owners deciding on today's numbers, with a 30-second rate check.

Read the guide →

Fort Bend County

Fort Bend is the outlier: its FHFA price index rose 6.0% into 2025 — still climbing while the big Texas counties flattened — atop a 55.7% five-year gain (via FRED). Sugar Land-area equity guide with a 30-second rate check.

Read the guide →

Harris County

Harris County passed 5 million residents in 2025 — a first for any Texas county (Census via FRED) — making it the state's largest refinance market. Sourced Houston-area equity data plus a 30-second rate check.

Read the guide →

Tarrant County

Tarrant County posted the strongest five-year price climb of Texas's three urban giants — about 45.5% since 2020 (FHFA via FRED) — with a defense-anchored economy. Fort Worth equity guide, VA IRRRL options, 30-second rate check.

Read the guide →

Travis County

Travis County rode prices up about 46% from 2020 to 2022, then gave back roughly 10% from the peak (FHFA via FRED). An Austin guide to equity that is real but smaller than your 2022 screenshot — with a 30-second rate check.

Read the guide →

Williamson County

Williamson County prices surged about 55.8% from 2020 to 2022, then gave back 8% (FHFA via FRED) — while Samsung's Taylor fab and Dell's Round Rock HQ rebuilt the demand floor. A two-cohort equity guide with a 30-second rate check.

Read the guide →

Related Refinance Pages

Refinance Your Harris County Home

Harris County passed 5 million residents in 2025 — a first for any Texas county (Census via FRED) — making it the state's largest refinance market. Sourced Houston-area equity data plus a 30-second rate check.

Check rates →

Refinance Your Dallas County Home

Dallas County prices climbed about 45% from 2020 to 2025, then went flat — the index moved just -0.1% into 2025 (FHFA via FRED). A plateau-market guide for owners deciding on today's numbers, with a 30-second rate check.

Check rates →

Refinance Your Tarrant County Home

Tarrant County posted the strongest five-year price climb of Texas's three urban giants — about 45.5% since 2020 (FHFA via FRED) — with a defense-anchored economy. Fort Worth equity guide, VA IRRRL options, 30-second rate check.

Check rates →

Cash-Out Refinance — Check Your Rate in 30 Seconds

Check cash-out refinance rates in about 30 seconds. Licensed mortgage broker (NMLS# 1844873). No credit check for your quote. See estimated cash available.

Check rates →

Ready to Check Your Texas Rate?

Takes about 30 seconds. No credit check for your quote.

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Rate quotes are estimates based on the credit score you provide. Actual rates may differ based on verified credit, income, and property details.

Lendtrain (NMLS# 1844873) is licensed to originate mortgages in Texas. NMLS# 1844873.