{"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.","days":[{"pricedOn":"2026-11-04","firstRate":6,"firstRateApr":6.292,"firstRatePointsDollars":9724,"nearZeroRate":6.5,"nearZeroApr":6.588,"nearZeroPointsDollars":340},{"pricedOn":"2026-11-03","firstRate":6.125,"firstRateApr":6.377,"firstRatePointsDollars":7728,"nearZeroRate":6.5,"nearZeroApr":6.605,"nearZeroPointsDollars":964},{"pricedOn":"2026-11-02","firstRate":6,"firstRateApr":6.287,"firstRatePointsDollars":9380,"nearZeroRate":6.5,"nearZeroApr":6.588,"nearZeroPointsDollars":192},{"pricedOn":"2026-10-30","firstRate":6.125,"firstRateApr":6.388,"firstRatePointsDollars":7956,"nearZeroRate":6.5,"nearZeroApr":6.605,"nearZeroPointsDollars":680}]}