2 Starting refinance rates below based upon an APR calculation that assumes a rate term reduction loan, single-family, owner-occupied primary residence located in Texas, 76101; and a loan amount of $180,000.

  Rate APR* Points Monthly Payment
30 Year Fixed 3.500 % 3.578 % 0.125 $808.00
20 Year Fixed 3.500 % 3.609 % 0.125 $1,044.00
15 Year Fixed 3.000 % 3.157 % 0.250 $1,243.00
10 Year Fixed 3.000 % 3.229 % 0.250 $1,738.00