Current Rates
Competitive Mortgage Rates
At Pacific Home Loans, we are committed to providing competitive mortgage interest rates and a wide range of loan options to meet the unique needs of homebuyers and homeowners across Texas.
Whether you’re a first-time buyer ready to step into homeownership, a current homeowner looking to upgrade or downsize, an investor seeking new opportunities, or considering a refinance to improve your mortgage terms, we have loan programs designed for you. Our goal is to provide more than just a loan—we deliver tailored financial solutions that align with your long-term goals.
Explore your options with Pacific Home Loans and experience the personalized service, competitive rates, and flexibility that make us a trusted mortgage partner in Texas.

Current Mortgage Rates for Texas
Loan Type | Current Rate | Discount Points | APR |
---|---|---|---|
Conforming 30 Year Fixed | 6.375% | 1.772 | 6.574% |
FHA 30 Year Fixed | 5.875% | 0.958 | 7.087% |
VA 30 Year Fixed | 5.875% | 0.893 | 6.296% |
Jumbo 30 Year Fixed | 6.5% | 1.288 | 6.646% |
Featured Loan Program of the Week
Home Equity Line of Credit (HELOC) & Second Mortgage fixed rate (Closed end second mortgage)
- 1st lien HELOCs up to $1,000,000
- 2nd lien HELOCs up to $500,000
- Closed End Seconds (fixed rate) up to $500,000
- HELOC & Closed End Seconds (fixed rate) combo loans*
- Available for a Primary residence, Second Home, & Investment properties
*PMI Buster: Avoid paying Private Mortgage Insurance with a PHL 1st and 2nd combo loan.