Even as mortgage rates spike across the country, Texas got a rare bit of good news: in early 2026, our state saw one of the smallest increases nationwide. The average rate here settled at 6.36% for Q2—down 0.83% from Q1. I know high home prices and rising borrowing costs are putting pressure on buyers, especially those hoping to turn "someday" into move-in day. But compared to states facing sharper rate climbs, Texas buyers have a little more breathing room. After 26 years in the mortgage business, I've seen how even small changes like this can make a difference for families looking for the right loan. Every advantage counts when you're navigating today's market challenges.









