Mortgage loans in Texas
Andes Mortgage is a licensed Texas mortgage broker helping homeowners, homebuyers and real estate investors find the right financing across the state.
We serve clients throughout Houston, Dallas–Fort Worth, San Antonio, Austin, El Paso, the Rio Grande Valley and communities across Texas.
Whether you want to find a home to live, a vacation, investment rental or refinance your current mortgage, lower your monthly payment, access your home equity, we compare loan options from multiple wholesale lenders to find a solution that fits your goals.
In addition to conventional, FHA, VA and USDA loans, we specialize in financing for borrowers whose situations may not fit traditional bank guidelines. This includes loans for self-employed, refinancing, HELOCs, bank statement loans, DSCR rental property loans, non-warrantable condos, foreign national loans and ITIN mortgage programs.
- Long-term & Short-Term Airbnb DSCR
- Investor lending in ~46 states
- Hablamos español
- NMLS #2187991
Andes Mortgage LLC — a licensed mortgage broker, not a lead form.
- Licensed in Texas
Regulated Texas mortgage broker serving the whole state.
- Broker, not a single lender
We shop your file across many wholesale lenders to fit your situation.
Texas housing market at a glance
Texas is one of the largest and busiest housing markets in the country, with more homes listed at any given moment than almost anywhere else — from the major metros of Houston, Dallas–Fort Worth, San Antonio and Austin out to fast-growing suburbs and smaller cities. That depth of inventory, plus steady new construction, gives buyers real choice and investors a wide field of rental opportunities.
The figures below pull live from public listing data and update automatically each month, so you’re always looking at where the Texas market actually is right now.
Texas housing market
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Figures are Realtor.com listing data (what sellers are asking) — not sale prices. Source: Realtor.com via FRED (Federal Reserve Bank of St. Louis). Updates monthly.
Mortgage interest rates today in Texas
Last update: July 27, 2026
Texas conventional rates - Home purchase
| Product | Rate | APR |
|---|---|---|
| 30-yr. fixed | 6.69% | 6.7% |
| 20-yr. fixed | 6.705% | 6.713% |
| 15-yr. fixed | 6.069% | 6.086% |
| 5-yr. ARM | 6.637% | 6.59% |
Texas conventional rates - Refinance
| Product | Rate | APR |
|---|---|---|
| 30-yr. fixed | 6.83% | 6.835% |
| 20-yr. fixed | 0% | 0% |
| 15-yr. fixed | 5.963% | 5.975% |
| 5-yr. ARM | 6.625% | 6.474% |
Important to note: If you see a – or a 0% under any row, it means there is no available rate for this date or we are waiting for an update.
National 30-year fixed rate
Where the national benchmark has moved over the past year. Reported by the Federal Reserve of St. Louis (FRED).
30-Year Fixed Mortgage Rate — Last 12 Months
Source: Freddie Mac PMMS via FRED
Where to go next
Follow your situation into the details — terms, down payment, and the documents each program needs. Every program below is open to Texas borrowers today.
Finance a Texas rental on the property’s income — no tax returns, no personal DTI. It’s our highest-demand investor program.
Already own Texas rentals? Tap the equity without affecting your current mortgage terms — qualify on the portfolio’s cash flow.
Buying Texas investment property from abroad? Qualify on the rent with no US credit required — built for Texas’s international and cross-border buyers.
Living and filing taxes in the US with an ITIN and no SSN? Buy or refinance a home to live in, a second home, or a rental.
Find your Texas loan in minutes
Answer a few quick questions and we’ll point you to the program that fits and what you’d need to qualify — no credit pull, no obligation. Hablamos español.
Andes Mortgage LLC · NMLS #2187991 · Equal Housing Lender. Licensed mortgage broker in Texas. Market figures are Realtor.com listing data (not sale prices), published via FRED (Federal Reserve Bank of St. Louis) and updated monthly. This page is informational and is not a commitment to lend; program terms and eligibility vary by lender and are subject to change.