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Featured Home Equity Rates in Texas

• Lender

  APR(%)

  Min.Initial Draw Amount

  Learn More

• Sponsored

  Advertiser Disclosure

• PenFed Credit Union NMLS ID: 401822 / Updated 2026-04-03 Equal Housing Lender

  Loans Amounts from $25,000 - $500,000.

  $0

  Loans Amounts from $25,000 - $500,000. Get a HELOC from PenFed to Put Your Home Equity to Work. HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans. Home Equity Line of Credit - Equal Housing Lender. Learn More

• Valley Strong Credit Union NMLS ID: 456506 / Updated 2025-10-29 Equal Housing Lender

  Intro APR: 6.950 % After Intro:6.950 %

  $15,000

  Get your offer in 5 minutes and funding in as few as 5 days Personalized banking solutions to help reach your financial goals Up to $400K Terms of 10,15, or 30 years Learn More

• Figure Home Equity NMLS ID: 1717824 / Updated 2025-09-22

  Intro APR: 6.950 % After Intro:6.950 %

  $15,000

  Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US Learn More

• Achieve Loans NMLS ID: 1810501 / Updated 2026-04-02

  Intro APR: 7.240 % After Intro:7.240 %

  $0

  Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600 Learn More

• Refi.com NMLS ID: 1907 / Updated 2026-04-03 Equal Housing Lender

  Access your home’s equity without replacing your current mortgage

  $0

  Access your home’s equity without replacing your current mortgage Put your home’s equity to work on your terms Flexible funds for renovations, debt consolidation, or major expenses Refi.com connects you with home equity lending specialists Learn More

• Spring EQ NMLS ID: 1464945 / Updated 2026-04-03

  The leader for homeowners tapping cash from their homes since 2016.

  $0

  Access up to 90% of your home's equity, up to a maximum of $500,000. FIXLINE: The flexibility of a HELOC with the stability of a HELOAN. A fixed rate for life- no need to worry about fluctuating rates. We make it easy - and fast - to access your cash (as little as 11 days). Learn More

• AmeriSave Mortgage Corporation NMLS ID: 1168 / Updated 2026-04-03

  Home Equity Loans & Refinance – Cash out

  $0

  Home Equity Loans & Refinance – Cash out Customized rate quote with no impact to credit Low Rates, Quick Approvals, Wide Range of Products Over 100 Billion Funded. 22 Years in Business Learn More

• CrossCountry Mortgage, LLC NMLS ID: 3029 / Updated 2026-04-03

  Unlock Your Home's Potential

  $0

  Transform Your Home Equity Into Cash: Explore our Tech-Powered Solutions! Unlock Your Home's Value: Discover the Power of our Online HELOC! Maximize Your Equity: Get Cash-Out Using Our HELOC for Your Next Big Step Secure Your Future: Experience the Ease of our Fixed Home Equity Loans Learn More

• Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .

Featured 30-Year Fixed Mortgage Rates in Texas

• Lender

  APR(%)

  Monthly Payment

  Learn More

• Sponsored

  Advertiser Disclosure

• Refi.com NMLS ID: 1907

  0.000%

  $0 Fees & Points $0 Total 0.000 Pts ($0) $0 Fees

  Keep more money in your pocket by rolling closing costs into your loan Maximize your savings with custom options that fit your financial goals Tap into your home’s equity with a cash-out refinance Learn More

• District Lending NMLS ID: 1835285

  5.853%

  $1,868 Fees & Points $3,600 Total 0.625 Pts ($2,000) $1,600 Fees

  Get an exceptional mortgage rate, be happy. Learn More

• Optimum First Inc NMLS ID: 240415

  5.975%

  $1,893 Fees & Points $3,457 Total 0.457 Pts ($1,462) $1,995 Fees

  fill in Learn More

• SimpLend Mortgage,LLC NMLS ID: 2558881

  5.979%

  $1,893 Fees & Points $3,818 Total 0.625 Pts ($2,000) $1,818 Fees

  Simplified Process- We streamline the experience, reducing complexity. Personalized Service- We're committed to a solution that fits your needs. Expert Guidance- Benefit from decades of experience in the industry. Learn More

• Reliant Home Funding, Inc. NMLS ID: 292473

  5.983%

  $1,893 Fees & Points $3,739 Total 0.545 Pts ($1,744) $1,995 Fees

  Relationships Rule: Transactions end, Relationships remain Accountability is Personal: Reflection before Projection Service through Knowledge: Great service means great understanding Learn More

• Blue Arrow Lending Group, INC NMLS ID: 2046633

  6.015%

  $1,893 Fees & Points $4,980 Total 0.700 Pts ($2,240) $2,740 Fees

  Fast, easy, affordable loans with top-notch service. Access to 100+ lenders for unbeatable options. Guaranteed on-time closing, or we cover your earnest money! Learn More

• Direct Home Lending NMLS ID: 274058

  6.061%

  $1,919 Fees & Points $2,128 Total 0.479 Pts ($1,533) $595 Fees

  A Better Type of Home Lending Learn More

• Farmers Bank of Kansas City NMLS ID: 613839

  6.072%

  $1,917 Fees & Points $2,824 Total 0.634 Pts ($2,029) $795 Fees

  Competitive rates. Surprisingly smooth process. Learn More

• River City Mortgage LLC NMLS ID: 142954

  6.081%

  $1,919 Fees & Points $2,903 Total 0.579 Pts ($1,853) $1,050 Fees

  Talk to a Pro, Not a Prompt. No bots. No nonsense. Just real people. Accessible. Authentic. Transparent. We answer and make it make sense. From pre-approval to closing — we’re all in. Learn More

• Revix NMLS ID: 2684156

  6.086%

  $1,917 Fees & Points $3,399 Total 0.691 Pts ($2,211) $1,188 Fees

  Refi faster and cut your monthly cost Learn More

• Dylken Home Loans, Inc NMLS ID: 2673152

  6.092%

  $1,919 Fees & Points $3,168 Total 0.990 Pts ($3,168) $0 Fees

  Make Refinancing a Breeze Tap into your home’s equity for renovations or debt consolidation Refinancing options customized for your unique financial needs Learn More

• Pure Rate Mortgage NMLS ID: 2578474

  6.105%

  $1,919 Fees & Points $3,610 Total 0.800 Pts ($2,560) $1,050 Fees

  Pure Rate equals Pure Savings We provide real-time access to premier wholesale lenders Delivering wholesale pricing instantly Learn More

• Valley West Mortgage NMLS ID: 65506

  6.125%

  $1,919 Fees & Points $4,375 Total 1.000 Pts ($3,200) $1,175 Fees

  Get a loan tailored to your specific needs Forget the haggle and the hassle Find the right type of loan for you and your family Learn More

• F5 Mortgage LLC NMLS ID: 1938115

  6.128%

  $1,919 Fees & Points $4,550 Total 0.990 Pts ($3,168) $1,382 Fees

  Real Time Rates With No Hidden Fees Wholesale Rates Direct To Consumers Low Rates And Minimal Closing Costs Learn More

• Statewide Funding NMLS ID: 1105497

  6.139%

  $1,919 Fees & Points $4,770 Total 1.000 Pts ($3,200) $1,570 Fees

  Large product menu to help more homeowners. Apply online anytime 24/7. Learn More

• Mutual of Omaha Mortgage, Inc. NMLS ID: 1025894

  6.147%

  $1,893 Fees & Points $9,478 Total 0.837 Pts ($2,678) $6,800 Fees

  A brand you know and trust Quick and efficient process Mortgage products to fit your needs Learn More

• Beeline Loans, Inc. NMLS ID: 1799947

  6.194%

  $1,945 Fees & Points $2,342 Total 0.732 Pts ($2,342) $0 Fees

  Apply in less than 10 minutes. Fast, stress-free closing in as little as 16 days More loan types so you’re more likely to qualify Learn More

• LoanFlight Lending, LLC NMLS ID: 1522344 License#: 1522344

  6.208%

  $1,945 Fees & Points $2,870 Total 0.897 Pts ($2,870) $0 Fees

  Charges $0 in Lender Fees Get an Online Quote in Seconds 100% Online Process or Speak Directly with a Loan Officer Learn More

• Home Simply NMLS ID: 2473786

  6.229%

  $1,945 Fees & Points $3,578 Total 0.776 Pts ($2,483) $1,095 Fees

  Simple loans for your dream home! Learn More

• AimLoan.com NMLS ID: 2890 License#: NMLS# 2890

  6.230%

  $1,945 Fees & Points $3,574 Total 0.806 Pts ($2,579) $995 Fees

  Certified Upfront Lender! Online Loan Estimate! Apply & Lock Rate 24/7! 26 Years' Experience Get Your FREE Instant Rate Quote Learn More

• Salute Mortgage, LLC NMLS ID: 2601951

  6.241%

  $1,945 Fees & Points $4,105 Total 0.899 Pts ($2,877) $1,228 Fees

  Strategic refinance advice aligned to long-term financial goals Clear break-even analysis so refinancing only happens when it makes sense Access to VA IRRRL, FHA, conventional, and HELOC options Learn More

• Northpointe Bank NMLS ID: 447490

  6.241%

  $1,945 Fees & Points $3,961 Total 0.802 Pts ($2,566) $1,395 Fees

  Great Rates Personal Service FDIC insured banking institution. Learn More

• PenFed Credit Union NMLS ID: 401822

  6.265%

  $1,945 Fees & Points $4,795 Total 0.875 Pts ($2,800) $1,995 Fees

  Let PenFed Bring You Home With Confidence Benefits before and after you refinance Lower your payment, get cash out, and more Learn More

• Refi.com NMLS ID: 1907 License#: Texas

  6.327%

  $1,971 Fees & Points $2,602 Total 0.813 Pts ($2,602) $0 Fees

  Lower your monthly mortgage payment with a streamlined refinance Keep more money in your pocket by rolling closing costs into your loan Maximize your savings with custom options that fit your financial goals Learn More

• DECO Mortgage NMLS ID: 2561451

  6.333%

  $1,971 Fees & Points $2,928 Total 0.358 Pts ($1,146) $1,782 Fees

  $0 Lender Fee. Never pay lender fee's with Deco! Same Day Pre-Qualification (As fast as 30 minutes). Single Point of Contact: Paired with your own mortgage professional. Learn More

• Better.com NMLS ID: 330511

  6.338%

  $1,971 Fees & Points $2,966 Total 0.616 Pts ($1,971) $995 Fees

  The Right Mortgage could save you Thousands! Learn More

• Allied Mortgage Group, Inc. NMLS ID: 1067

  6.443%

  $1,997 Fees & Points $2,285 Total 0.714 Pts ($2,285) $0 Fees

  Streamlined Process Expertise Customer Service Learn More

• SoFi NMLS ID: 696891

  6.637%

  $2,023 Fees & Points $4,573 Total 0.962 Pts ($3,078) $1,495 Fees

  Get pre-qualified in minutes Simple, online application Customize your monthly payment to fit your budget Learn More

• Rocket Mortgage NMLS ID: 3030

  Fees & Points Total Pts ($0) $0 Fees

  Turn home equity you've earned into cash Single, convenient monthly payments Reduce interest with shorter loan terms Learn More

• CrossCountry Mortgage NMLS ID: 3029

  Fees & Points Total Pts ($0) $0 Fees

  "America's #1 Retail Lender (Scottsman Guide)" "Financing 1 and every 36 homes" "Over 20,000 Five Star Reviews On Zillow" Learn More

• Veterans United Home Loans NMLS ID: 1907

  Fees & Points Total Pts ($0) $0 Fees

  Refinance to lower your rate Free up room in your budget by paying off high-interest debt Explore 350,000+ 5-star reviews Learn More

• Quicken Loans NMLS ID: 167283

  Fees & Points Total Pts ($0) $0 Fees

  Your home's value could help you save. Turn your equity into opportunity. Calculate your home equity loan options with lenders. Learn More

• Beeline Loans, Inc. NMLS ID: 1799947

  Fees & Points Total Pts ($0) $0 Fees

  Apply in less than 10 minutes. Fast, stress-free closing in as little as 16 days More loan types so you’re more likely to qualify Learn More

• AmeriSave Mortgage Corporation NMLS ID: 1168 License#: 78302

  Fees & Points Total Pts ($0) $0 Fees

  Low rates, quick quote & approval 92% of clients discover savings in Real savings, real fast - $1100 avg monthly savings Learn More

• Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .