{"publisher":"RateVerdict","state":"Texas","page":"https://rateverdict.com/mortgage-rates/texas","methodology":"https://rateverdict.com/methodology","license":"https://rateverdict.com/terms","scenario":"$400,000 30-year fixed refinance with 780 or higher credit, Texas property","notice":"Priced for one named scenario from live lender rate sheets. Not a rate lock or an offer to lend.","payments":"Monthly payments shown are principal and interest only, for 360 monthly payments on a $400,000 loan at the rate shown. They do not include taxes, homeowners insurance or mortgage insurance, so the actual monthly payment will be greater.","pricedOn":"2026-11-04","pricedAt":"2026-11-04T17:36:03.965+00:00","rows":[{"rate":6,"apr":6.292,"points":2.431,"pointsDollars":9724,"monthlyPI":2398},{"rate":6.125,"apr":6.367,"points":1.84,"pointsDollars":7360,"monthlyPI":2430},{"rate":6.25,"apr":6.45,"points":1.351,"pointsDollars":5404,"monthlyPI":2463},{"rate":6.375,"apr":6.516,"points":0.668,"pointsDollars":2672,"monthlyPI":2495},{"rate":6.5,"apr":6.588,"points":0.085,"pointsDollars":340,"monthlyPI":2528},{"rate":6.625,"apr":6.709,"points":-0.429,"pointsDollars":-1716,"monthlyPI":2561},{"rate":6.75,"apr":6.836,"points":-0.864,"pointsDollars":-3456,"monthlyPI":2594},{"rate":6.875,"apr":6.963,"points":-1.436,"pointsDollars":-5744,"monthlyPI":2628},{"rate":7,"apr":7.09,"points":-1.873,"pointsDollars":-7492,"monthlyPI":2661},{"rate":7.125,"apr":7.216,"points":-2.296,"pointsDollars":-9184,"monthlyPI":2695},{"rate":7.375,"apr":7.469,"points":-2.692,"pointsDollars":-10768,"monthlyPI":2763},{"rate":7.5,"apr":7.596,"points":-3.196,"pointsDollars":-12784,"monthlyPI":2797}]}