Houston mortgage rates this week, updated every Friday from the Freddie Mac survey — plus what it means if you’re waiting to buy. See today’s numbers.
Financing is the part of buying that makes people most nervous — and the part where a week’s delay costs you the house. These articles cover getting pre-approved before you shop, the loan types Houston buyers actually use including builder financing on new construction, what lenders re-check between approval and closing, and how rates move week to week. I’m Kevan Pewitt, REALTOR® and broker-owner of Houston Prime Realty, here so you walk in knowing what’s coming.
Should You Buy Down Your Mortgage Rate? Points vs. 2-1 Buydowns in Houston
Two very different things get called “buying down your rate.” Here’s how discount points and 2-1 buydowns work in Houston in 2026 — and which one actually saves you money.
How Texas Property Taxes Affect Your Monthly Mortgage Payment
Texas property taxes can add hundreds to your Houston mortgage payment. See how escrow, rate stacking, and the homestead exemption shape what you pay.
Closing Costs in Texas: Who Pays What?
Closing costs in Texas hit buyers and sellers differently. See who pays what, the 2-5% buyer range, the title-policy custom, and how to lower your bill.
Pre-Qualification vs. Pre-Approval: What’s the Difference?
Pre-qualification vs. pre-approval: one is a quick estimate, the other a verified letter Houston sellers trust. Here’s which you need, and when.
How Much Down Payment Do You Really Need to Buy in Houston?
You don’t need 20% down to buy in Houston. Here are the real 2026 minimums for FHA, VA, USDA, and conventional loans — plus Texas down payment assistance.