Boerne, Texas Mortgage Rates - October 2026
Brian McKay
Brian McKay
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Boerne, Texas mortgage rates range from 5.12% to 8.88%, verified by MonitorBankRates as of October 19, 2026. Current 30-year fixed mortgage rates in Boerne, Texas include Frost BankFrost Bank1300 S Main St, Boerne, TX, 78006A+5.0 ★Texas Ratio: 2.51% at 5.75%, Randolph Brooks FCURandolph Brooks FCU1338 S Main St, Boerne, TX, 78006A+5.0 ★Texas Ratio: 5.89% at 7.00%, Security Service Federal Credit UnionSecurity Service Federal Credit Union135 W Bandera Rd, Boerne, TX, 78006 2958A5.0 ★Texas Ratio: 6.91% at 7.875%, Chemcel Federal Credit UnionChemcel Federal Credit UnionA+5.0 ★Texas Ratio: 3.32% at 6.054%, and Telco Plus Credit UnionTelco Plus Credit UnionA+5.0 ★Texas Ratio: 2.38% at 6.25%. Mortgage rates as of October 19, 2026 according to verified data from MonitorBankRates.
Boerne borrowers can compare 203 mortgage rates from 33 lenders serving the Texas area, including 3 local, with rates as low as 5.75% from Frost Bank at 1300 S Main St, Boerne, TX, 78006. Use the tabs below to compare all available loan types and terms. Rates are continually updated, so we recommend checking back frequently.
Mortgage Rates reflect actual verified offers from lenders actively lending to Texas borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: October 19, 2026
Compare Mortgage Rates Today in Boerne, Texas & the Surrounding Area
Boerne 30 Year Fixed Mortgage Rates
Income-based option for lower-income households; up to $4,000 toward closing costs for qualifying borrowers; administrative fee waived for eligible borrowers; financing up to 100% available; benefits cannot be combined with location-based option; example rates as of 10/5/26
Location-based option for homes in qualifying locations; administrative fee waived for eligible borrowers; financing up to 100% available; benefits cannot be combined with income-based option; example rates as of 10/5/26
For loans up to $832,750; financing up to 95% available; second home financing available
As Low As; FHA loan
Construction Loan; Based on a $800,000 Loan Amount with an 80% CLTV and FICO>=740; Loan amount is financed upfront; disbursement based on defined contractual completion steps; documentation must be submitted for disbursement
- Oct 5, 20267.93%▲ from 7.68%
- Sep 25, 20267.68%▲ from 7.30%
- Sep 17, 20267.30%▲ from 6.92%
- Sep 14, 20266.92%first recorded
As Low As; Starting at 6.054% APR*; Mortgage via Member First Mortgage, LLC (MFM); APR = Annual Percentage Rate
- Oct 12, 20266.05%▲ from 5.88%
- Oct 2, 20265.88%first recorded
As Low As; Section: Mortgage; Effective October 1, 2026
- Oct 2, 20266.25%▲ from 6.10%
- Oct 1, 20266.10%▼ from 6.35%
- Sep 18, 20266.35%first recorded
APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
Rates effective 10/13/2026; Lender Fee 0.00%
- Oct 14, 20267.00%▼ from 7.13%
- Oct 10, 20267.13%▼ from 7.38%
- Oct 1, 20267.38%▲ from 6.99%
- Sep 27, 20266.99%▲ from 6.88%
As Low As; Lock in peace of mind for the long haul. A 30-year mortgage means lower monthly payments and lasting security.
- Oct 14, 20267.13%▼ from 7.25%
- Oct 1, 20267.25%▲ from 7.13%
- Sep 27, 20267.13%▲ from 7.00%
- Sep 22, 20267.00%▲ from 6.88%
Rates based on a purchase transaction with a 20% down payment; APR based on $100,000 loan amount for an 80% LTV purchase
- Oct 19, 20267.15%▼ from 7.28%
- Oct 1, 20267.28%▲ from 7.02%
- Sep 27, 20267.02%first recorded
Origination Point: 0.00%
- Oct 14, 20267.21%▼ from 7.33%
- Oct 10, 20267.33%first recorded
Origination Point: 0.00%; Assumes 75% LTV and minimum 760 credit score; Purchase money mortgage, minimum loan $250,000
- Oct 14, 20267.21%▼ from 7.33%
- Oct 10, 20267.33%first recorded
Conventional home loan; discount points may apply to 30 year loans
- Oct 19, 20267.22%▼ from 7.34%
- Oct 13, 20267.34%▲ from 6.05%
- Sep 29, 20266.05%first recorded
Purchase; for military veterans; VA guaranteed
- Oct 19, 20267.23%▼ from 7.50%
- Oct 9, 20267.50%▼ from 7.51%
- Oct 2, 20267.51%▲ from 7.20%
- Sep 29, 20267.20%▼ from 7.34%
Rates effective 10/13/2026; Lender Fee 0.00%
- Oct 14, 20267.24%▼ from 7.36%
- Oct 2, 20267.36%▲ from 7.24%
- Sep 27, 20267.24%▲ from 6.86%
- Sep 18, 20266.86%▲ from 6.73%
Purchase; new home purchase
- Oct 19, 20267.34%▼ from 7.52%
- Oct 9, 20267.52%▼ from 7.63%
- Oct 2, 20267.63%▲ from 7.35%
- Sep 29, 20267.35%▲ from 7.34%
Home Loans up to $832,750
No additional details available.
- Oct 1, 20267.40%▲ from 6.90%
- Sep 14, 20266.90%first recorded
Monthly Principal & Interest: $2,047.00
Rates effective 10/13/2026; Lender Fee 0.00%
- Oct 14, 20267.43%▼ from 7.56%
- Oct 1, 20267.56%▲ from 7.17%
- Sep 27, 20267.17%▲ from 6.93%
- Sep 14, 20266.93%first recorded
As Low As; w/ 0.625 Points; Payment: 1,637.22
VA mortgage; Rates effective as of 10/14/2026; Rates based on a 45 day lock
- Oct 8, 20267.46%▲ from 7.34%
- Oct 4, 20267.34%▲ from 7.21%
- Sep 25, 20267.21%▲ from 7.08%
- Sep 18, 20267.08%first recorded
Home Equity Loans; uses primary residence equity as collateral
- Oct 19, 20267.58%▲ from 7.52%
- Oct 9, 20267.52%▼ from 7.63%
- Oct 2, 20267.63%▲ from 7.35%
- Sep 29, 20267.35%▲ from 7.34%
No additional details available.
- Oct 14, 20267.60%▼ from 7.73%
- Oct 7, 20267.73%▲ from 7.47%
- Sep 27, 20267.47%▲ from 7.34%
- Sep 24, 20267.34%▲ from 7.09%
Mortgage; Rates effective as of 10/14/2026; Rates based on a 45 day lock
- Oct 12, 20267.60%▼ from 7.73%
- Oct 8, 20267.73%▲ from 7.60%
- Oct 4, 20267.60%▲ from 7.35%
- Sep 25, 20267.35%▲ from 7.23%
No additional details available.
- Oct 14, 20267.64%▼ from 7.77%
- Oct 7, 20267.77%▲ from 7.52%
- Sep 27, 20267.52%▲ from 7.39%
- Sep 24, 20267.39%▲ from 7.14%
Rates effective 10/13/2026; Lender Fee 0.00%
- Oct 10, 20267.72%▼ from 7.85%
- Oct 2, 20267.85%▲ from 7.72%
- Oct 1, 20267.72%▲ from 7.58%
- Sep 27, 20267.58%▲ from 7.34%
No additional details available.
- Oct 14, 20267.72%▼ from 7.85%
- Oct 7, 20267.85%▲ from 7.72%
- Sep 27, 20267.72%▲ from 7.47%
- Sep 24, 20267.47%▲ from 7.34%
Rates effective 10/13/2026; Lender Fee 0.00%
- Oct 10, 20267.74%▼ from 8.12%
- Oct 2, 20268.12%▲ from 7.74%
- Sep 27, 20267.74%▲ from 7.24%
- Sep 18, 20267.24%▲ from 7.11%
No additional details available.
- Oct 7, 20267.75%▲ from 7.62%
- Sep 27, 20267.62%▲ from 7.36%
- Sep 24, 20267.36%▲ from 7.10%
- Sep 15, 20267.10%first recorded
No additional details available.
- Oct 15, 20267.76%▲ from 6.48%
- Sep 16, 20266.48%first recorded
No additional details available.
- Oct 15, 20267.80%▲ from 6.91%
- Sep 16, 20266.91%first recorded
No additional details available.
- Oct 14, 20267.93%▼ from 8.05%
- Oct 7, 20268.05%▲ from 7.93%
- Sep 27, 20267.93%▲ from 7.54%
- Sep 24, 20267.54%▲ from 7.16%
As Low As
- Oct 9, 20267.93%▲ from 7.80%
- Oct 2, 20267.80%▲ from 7.68%
- Sep 25, 20267.68%first recorded
No additional details available.
- Oct 15, 20268.22%▲ from 6.95%
- Sep 16, 20266.95%first recorded
Rates based on a purchase transaction with a 0% down payment; APR based on $100,000 loan amount for a 105% LTV purchase and reflects any pre-paid finance charge
- Oct 19, 20268.31%▼ from 8.44%
- Oct 1, 20268.44%▲ from 8.18%
- Sep 27, 20268.18%▲ from 8.06%
- Sep 14, 20268.06%first recorded
No additional details available.
- Oct 14, 20268.37%▼ from 8.62%
- Oct 7, 20268.62%▲ from 8.12%
- Sep 27, 20268.12%▲ from 7.86%
- Sep 24, 20267.86%first recorded
Credit Grade A+ rate: 6.50%; Base Rate
No additional details available.
- Oct 14, 20268.51%▼ from 8.64%
- Oct 7, 20268.64%▲ from 8.25%
- Sep 27, 20268.25%▲ from 8.00%
- Sep 24, 20268.00%▲ from 7.22%
Purchase; FHA insured, mortgage insurance required
- Oct 19, 20268.54%▼ from 8.86%
- Oct 9, 20268.86%▼ from 8.87%
- Oct 2, 20268.87%▲ from 8.52%
- Sep 29, 20268.52%▼ from 8.68%
Boerne 15 Year Fixed Mortgage Rates
For loans up to $832,750; financing up to 95% available; second home financing available
As Low As; Based on a $120,000 Loan Amount with an 80% combined loan-to-value (CLTV) and FICO>=740; Payment example $1078.59
Construction Loan; Based on a $800,000 Loan Amount with an 80% CLTV and FICO>=740; Loan amount is financed upfront; disbursement based on defined contractual completion steps; documentation must be submitted for disbursement
- Oct 5, 20267.46%▲ from 7.21%
- Sep 25, 20267.21%▲ from 6.83%
- Sep 17, 20266.83%▲ from 6.45%
- Sep 14, 20266.45%first recorded
As Low As; FHA loan
As Low As; Based on a $120,000 Loan Amount with an 80% combined loan-to-value (CLTV) and FICO>=740; Payment example $1112.41
As Low As; Section: Mortgage; Effective October 1, 2026
- Oct 2, 20265.50%▲ from 5.00%
- Oct 1, 20265.00%▼ from 5.25%
- Sep 18, 20265.25%first recorded
APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
Mortgage/Land Loan; Loans available on primary residence, secondary residence, or investment property in Missouri; APR assumes $100,000 loan amount and monthly repayment
As Low As; Get peace of mind with predictable monthly payments. Both traditional and short-term options available.
- Sep 27, 20266.50%▲ from 6.25%
- Sep 18, 20266.25%▲ from 6.13%
- Sep 14, 20266.13%first recorded
Rates effective 10/13/2026; Lender Fee 0.00%
- Oct 10, 20266.55%▼ from 6.67%
- Oct 2, 20266.67%▲ from 6.55%
- Sep 27, 20266.55%▲ from 6.30%
- Sep 22, 20266.30%▲ from 6.17%
No additional details available.
- Oct 1, 20266.58%▲ from 6.12%
- Sep 14, 20266.12%first recorded
Monthly Principal & Interest: $2,593.00
Rates based on a purchase transaction with a 20% down payment; APR based on $100,000 loan amount for an 80% LTV purchase
- Oct 19, 20266.69%▼ from 6.81%
- Oct 1, 20266.81%▲ from 6.56%
- Sep 27, 20266.56%first recorded
Origination Point: 0.00%
- Oct 14, 20266.72%▼ from 6.85%
- Oct 10, 20266.85%first recorded
Origination Point: 0.00%; Assumes 75% LTV and minimum 760 credit score; Purchase money mortgage, minimum loan $250,000
- Oct 14, 20266.72%▼ from 6.85%
- Oct 10, 20266.85%first recorded
As Low As; w/ 0.875 Points; Payment: 2,090.66
Lender Fee: 0.00%
Purchase; new home purchase
- Oct 19, 20266.93%▼ from 7.08%
- Oct 9, 20267.08%▼ from 7.10%
- Oct 2, 20267.10%▲ from 6.99%
- Sep 29, 20266.99%▼ from 7.02%
Home Loans up to $832,750
Rates effective 10/13/2026; Lender Fee 0.00%
- Oct 14, 20267.12%▼ from 7.14%
- Oct 10, 20267.14%▼ from 7.20%
- Oct 2, 20267.20%▼ from 7.24%
- Oct 1, 20267.24%▲ from 7.14%
Payment Amount: $3,595; Conforming rates based on a $400,000.00 loan amount; Rates effective as of 10/13/2026
- Oct 14, 20267.15%▲ from 7.15%
- Oct 2, 20267.15%▲ from 7.02%
- Sep 27, 20267.02%▲ from 6.77%
- Sep 18, 20266.77%▲ from 6.65%
No additional details available.
- Oct 15, 20267.16%▲ from 6.15%
- Sep 16, 20266.15%first recorded
No additional details available.
- Oct 14, 20267.22%▼ from 7.48%
- Oct 7, 20267.48%▲ from 7.35%
- Sep 27, 20267.35%▼ from 7.60%
- Sep 24, 20267.60%▲ from 6.97%
Mortgage; Rates effective as of 10/14/2026; Rates based on a 45 day lock
- Oct 15, 20267.29%▲ from 7.16%
- Oct 4, 20267.16%▲ from 7.04%
- Sep 25, 20267.04%▲ from 6.91%
- Sep 20, 20266.91%▲ from 6.79%
No additional details available.
- Oct 14, 20267.30%▼ from 7.43%
- Oct 7, 20267.43%▲ from 7.30%
- Sep 27, 20267.30%▼ from 7.56%
- Sep 24, 20267.56%▲ from 7.04%
Rates effective 10/13/2026; Lender Fee 0.00%
- Oct 14, 20267.38%▼ from 7.41%
- Oct 10, 20267.41%▲ from 7.36%
- Oct 2, 20267.36%▼ from 7.38%
- Oct 1, 20267.38%▲ from 7.30%
Home Equity Loans; uses primary residence equity as collateral
- Oct 19, 20267.48%▲ from 7.08%
- Oct 9, 20267.08%▼ from 7.10%
- Oct 2, 20267.10%▲ from 6.99%
- Sep 29, 20266.99%▼ from 7.02%
As Low As; Section: Land Loan; Effective October 1, 2026
- Oct 1, 20267.50%▲ from 7.38%
- Sep 18, 20267.38%first recorded
Rates effective 10/13/2026; Lender Fee 0.00%
- Oct 2, 20267.55%▲ from 7.43%
- Sep 27, 20267.43%▲ from 7.18%
- Sep 22, 20267.18%▲ from 7.05%
- Sep 18, 20267.05%▲ from 6.80%
No additional details available.
- Oct 15, 20267.92%▲ from 6.34%
- Sep 16, 20266.34%first recorded
No additional details available.
- Oct 15, 20268.03%▲ from 6.47%
- Sep 16, 20266.47%first recorded
Credit Grade A+ rate: 6.15%; Base Rate
Large or small tracts of land; amount starting at $50,000
- Oct 19, 20269.08%▲ from 8.86%
- Oct 9, 20268.86%▲ from 8.76%
- Oct 2, 20268.76%▲ from 8.65%
- Sep 29, 20268.65%▲ from 8.53%
Boerne 5/1 ARM Mortgage Rates
As Low As; Payment example: $1278.93; Based on $205,000 loan, 80% CLTV, FICO>=740; 5% rate cap for one-time adjustment
- Oct 5, 20266.61%▲ from 6.24%
- Sep 17, 20266.24%▲ from 6.22%
- Sep 14, 20266.22%first recorded
Rate fixed for 60 months; annual adjustment cap 2% after 60 months; maximum adjustment for life of loan 4.0%; effective January 15, 2026; rate may vary based on credit score and/or term
Adjustable Rate Mortgage; based on $280,000 loan, owner-occupied single-family 1-unit, 80% LTV, FICO 740+
- Oct 15, 20265.65%▼ from 5.71%
- Oct 13, 20265.71%▼ from 5.71%
- Oct 9, 20265.71%▲ from 5.64%
- Oct 5, 20265.64%▼ from 5.64%
Annual Cap: 2.00%; Lifetime Cap: 5.00%; Minimum Loan Amount is $20,000; Maximum Refinance Loan to Value is 90%; Maximum Purchase Money 95% LTV; APR is based off the 30-day average SOFR index
As Low As; Enjoy a low initial rate that adjusts with the market. Various terms and options available.
- Oct 14, 20266.00%▼ from 6.13%
- Oct 1, 20266.13%▲ from 5.63%
- Sep 18, 20265.63%▲ from 5.50%
- Sep 14, 20265.50%first recorded
As Low As; Initial fixed rate period: 5 years; Estimated Payment: $2,098.43 per month for initial fixed rate period (5 years)
As Low As; Estimated Payment: $2,098.43 per month for initial fixed rate period (5 years)
- Oct 2, 20266.00%▲ from 5.75%
- Sep 25, 20265.75%first recorded
Rates based on a purchase transaction with a 20% down payment; APR is based on $100,000 loan amount for an 80% LTV purchase and reflects any pre-paid finance charge
APR fixed for first 60 months, then adjusts annually based on market index; purchase and refinance of residential property only
Adjustable Rate Mortgage
- Oct 19, 20266.25%▼ from 7.03%
- Sep 14, 20267.03%first recorded
As Low As
As Low As; Adjustable-Rate Mortgage, 5/1 ARM; Rate / APR as printed: 6.37% / 6.55%
- Oct 19, 20266.55%▲ from 6.30%
- Sep 14, 20266.30%first recorded
No additional details available.
- Oct 12, 20266.82%▲ from 5.44%
- Sep 25, 20265.44%first recorded
Home Loans up to $832,750
No additional details available.
- Oct 12, 20266.99%▲ from 5.73%
- Sep 25, 20265.73%first recorded
As Low As; Home Loans
- Oct 15, 20267.08%▲ from 6.91%
- Oct 13, 20266.91%first recorded
No additional details available.
- Oct 12, 20267.35%▲ from 6.00%
- Sep 25, 20266.00%first recorded
No additional details available.
- Oct 12, 20267.40%▲ from 6.04%
- Sep 25, 20266.04%first recorded
Large or small tract lot loan; amount starting at $40,000
- Oct 19, 20268.28%▲ from 8.05%
- Oct 9, 20268.05%▲ from 7.94%
- Oct 2, 20267.94%▲ from 7.87%
- Sep 29, 20267.87%▲ from 7.75%
Boerne 30-Year Jumbo Mortgage Rates
Loan amounts greater than $832,750; Rate (as low as); APR (as low as)
- Oct 2, 20266.19%▲ from 5.94%
- Sep 20, 20265.94%▲ from 5.69%
- Sep 14, 20265.69%first recorded
Rate (as low as); APR (as low as); Estimated Payment per $10,000: $111.02; Loan amounts greater than $832,750; Rates listed are based on 80% loan to value; Financing available up to 90% loan to value; Construction phase up to 1 year in addition to term
- Oct 2, 20266.25%▲ from 5.99%
- Sep 20, 20265.99%▲ from 5.74%
- Sep 14, 20265.74%first recorded
As Low As; Payment example: $7388.61; Based on a $1,200,000 loan amount, 80% CLTV, FICO>=740; Adjustable Rate (10/1 ARM) with 2% annual adjustment and 5% over the lifetime of the loan
- Sep 25, 20266.66%▲ from 6.29%
- Sep 17, 20266.29%▲ from 6.25%
- Sep 14, 20266.25%first recorded
For loans greater than $832,750; Financing up to 90% available; No maximum loan amount; Second home financing available
For loans greater than $832,750; Financing up to 90% available; No maximum loan amount; Second home financing available
Loan amounts greater than $832,750; Rate (as low as); APR (as low as)
- Oct 8, 20267.19%▲ from 7.06%
- Oct 2, 20267.06%▲ from 6.68%
- Sep 20, 20266.68%▲ from 6.43%
- Sep 14, 20266.43%first recorded
Rate (as low as); APR (as low as); Estimated Payment per $10,000: $78.28; Loan amounts greater than $832,750; Rates listed are based on 80% loan to value; Financing available up to 90% loan to value; Construction phase up to 1 year in addition to term
- Oct 8, 20267.22%▲ from 7.09%
- Oct 2, 20267.09%▲ from 6.71%
- Sep 20, 20266.71%▲ from 6.46%
- Sep 14, 20266.46%first recorded
As Low As; Jumbo Power Mortgage Rates; Based on $1,200,000 loan amount, 80% CLTV, FICO>=740
- Oct 5, 20267.34%▲ from 7.08%
- Sep 25, 20267.08%▲ from 6.70%
- Sep 17, 20266.70%▲ from 6.33%
- Sep 14, 20266.33%first recorded
Loan amounts greater than $832,750; Rate (as low as); APR (as low as)
- Oct 8, 20267.55%▲ from 7.42%
- Oct 2, 20267.42%▲ from 7.05%
- Sep 20, 20267.05%▲ from 6.79%
- Sep 14, 20266.79%first recorded
Rate (as low as); APR (as low as); Estimated Payment per $10,000: $69.92; Loan amounts greater than $832,750; Rates listed are based on 80% loan to value; Financing available up to 90% loan to value; Construction phase up to 1 year in addition to term
- Oct 8, 20267.57%▲ from 7.45%
- Oct 2, 20267.45%▲ from 7.07%
- Sep 20, 20267.07%▲ from 6.82%
- Sep 14, 20266.82%first recorded
For loans greater than $832,750; Financing up to 90% available; No maximum loan amount; Second home financing available
As Low As; Jumbo Power Mortgage Rates; Based on $1,200,000 loan amount, 80% CLTV, FICO>=740
- Oct 5, 20267.80%▲ from 7.55%
- Sep 25, 20267.55%▲ from 7.17%
- Sep 17, 20267.17%▲ from 6.80%
- Sep 14, 20266.80%first recorded
As Low As; Jumbo Power Mortgage Rates; Based on $1,200,000 loan amount, 80% CLTV, FICO>=740
- Oct 5, 20267.92%▲ from 7.67%
- Sep 25, 20267.67%▲ from 7.29%
- Sep 17, 20267.29%▲ from 6.91%
- Sep 14, 20266.91%first recorded
Fixed-rate; Our purchase rates
Home Loans Over $832,750; Jumbo; Purchase; Adjustable rate (7/6 ARM)
- Oct 15, 20266.86%▲ from 6.80%
- Oct 13, 20266.80%▼ from 6.87%
- Oct 9, 20266.87%▲ from 6.80%
- Oct 5, 20266.80%▲ from 6.55%
Adjustable-rate mortgage loan; Rates as of Oct 13, 2026 ET
- Oct 6, 20266.87%▲ from 6.77%
- Sep 30, 20266.77%first recorded
Lender Fee: 0.00%
As Low As; Finance higher-priced homes without a large down payment or multiple mortgages.
- Oct 1, 20267.13%▲ from 6.88%
- Sep 18, 20266.88%▲ from 6.63%
- Sep 14, 20266.63%first recorded
Discount points may apply to jumbo thirty year loans
- Sep 29, 20267.14%▲ from 6.77%
- Sep 22, 20266.77%▲ from 5.88%
- Sep 18, 20265.88%first recorded
Loan amount $940,000; down payment of at least 25%
Loan amount $940,000 with at least 25% equity; 30-year term
Jumbo mortgage; Origination Point: 0.00%
- Oct 14, 20267.26%▼ from 7.28%
- Oct 10, 20267.28%first recorded
Origination Point: 0.00%; Jumbo loan (single-family loan over $832,750); Assumes 75% LTV and minimum 760 credit score
- Oct 14, 20267.26%▼ from 7.28%
- Oct 10, 20267.28%first recorded
Home Loans Over $832,750; Jumbo; Purchase
- Oct 13, 20267.30%▼ from 7.43%
- Oct 9, 20267.43%▲ from 7.30%
- Oct 5, 20267.30%▼ from 7.43%
- Oct 2, 20267.43%▲ from 7.30%
Loan amount $940,000; down payment of at least 25%
Loan amount $940,000 with at least 25% equity; 30-year term
Advertised rate: single-family primary residence, 720 FICO, 20% down; Rates as of Oct 13, 2026 ET
Lender Fee: 0.00%
Jumbo loans greater than $832,750; 20% down payment required; up to 80% LTV
Monthly Principal & Interest: $6,907.00; Jumbo loans greater than $832,750; 20% down payment required, up to 80% LTV
$766,551 -$999,999; As Low As
- Oct 2, 20267.51%▲ from 7.01%
- Sep 14, 20267.01%first recorded
Purchase or refinance of luxury home, also available as home equity loan; fixed rate first 7 years; amount $806,501 - $2,000,000
- Oct 19, 20267.56%▲ from 6.93%
- Sep 18, 20266.93%first recorded
Jumbo; Rates effective October 16, 2026
- Oct 19, 20267.60%▼ from 7.63%
- Oct 13, 20267.63%first recorded
Loan amount $940,000; down payment of at least 25%
Loan amount $940,000; down payment of at least 25%
Loan amount $940,000 with at least 25% equity
Loan amount $940,000 with at least 25% equity
$766,551 -$999,999; As Low As
- Oct 2, 20267.76%▲ from 7.26%
- Sep 14, 20267.26%first recorded
$1,000,000; As Low As; Mortgage Loan Rates; Based on $1,000,000 loan amount, LTV < 80%, credit score 700+, origination fee 1% of loan amount (max $2,000)
- Oct 4, 20267.90%▲ from 7.37%
- Sep 14, 20267.37%first recorded
$1,600,000.00+; As Low As; Mortgage Loan Rates; Based on $1,600,000 loan amount, LTV < 80%, credit score 700+, origination fee 1% of loan amount (max $2,000)
- Oct 4, 20268.15%▲ from 7.63%
- Sep 14, 20267.63%first recorded
Boerne 15-Year Jumbo Mortgage Rates
Loan amounts greater than $832,750; Rate (as low as); APR (as low as)
- Oct 2, 20266.47%▲ from 6.22%
- Sep 20, 20266.22%▲ from 5.96%
- Sep 14, 20265.96%first recorded
Rate (as low as); APR (as low as); Estimated Payment per $10,000: $85.74; Loan amounts greater than $832,750; Rates listed are based on 80% loan to value; Financing available up to 90% loan to value; Construction phase up to 1 year in addition to term
- Oct 2, 20266.51%▲ from 6.26%
- Sep 20, 20266.26%▲ from 6.00%
- Sep 14, 20266.00%first recorded
For loans greater than $832,750; Financing up to 90% available; No maximum loan amount; Second home financing available
As Low As; Jumbo Power Mortgage Rates; Based on $1,200,000 loan amount, 80% CLTV, FICO>=740
- Oct 5, 20267.44%▲ from 7.19%
- Sep 25, 20267.19%▲ from 6.81%
- Sep 17, 20266.81%▲ from 6.43%
- Sep 14, 20266.43%first recorded
Jumbo mortgage; Origination Point: 0.00%
- Oct 14, 20266.98%▼ from 6.99%
- Oct 10, 20266.99%first recorded
Origination Point: 0.00%; Jumbo loan (single-family loan over $832,750); Assumes 75% LTV and minimum 760 credit score
- Oct 14, 20266.98%▼ from 6.99%
- Oct 10, 20266.99%first recorded
Lender Fee: 0.00%
Advertised rate: single-family primary residence, 720 FICO, 20% down; Rates as of Oct 13, 2026 ET
$766,551-$999,999; As Low As
- Oct 2, 20267.14%▲ from 6.64%
- Sep 14, 20266.64%first recorded
Jumbo; Rates effective October 16, 2026
- Oct 19, 20267.20%▼ from 7.23%
- Oct 13, 20267.23%first recorded
Home Loans Over $832,750; Jumbo; Purchase
- Oct 5, 20267.34%▼ from 7.46%
- Sep 29, 20267.46%▲ from 7.34%
- Sep 25, 20267.34%▲ from 6.96%
- Sep 17, 20266.96%▲ from 6.83%
Loan amount $940,000; down payment of at least 25%
Loan amount $940,000 with at least 25% equity
Boerne 5/1 Jumbo ARM Mortgage Rates
As Low As; Loan amounts greater than $832,750; Estimated Payment per $10,000: $59.96; Adjustable-rate mortgage, fixed initial rate for first 5 years; minimum down payment 5%
- Oct 2, 20266.04%▲ from 5.79%
- Sep 20, 20265.79%▲ from 5.54%
- Sep 14, 20265.54%first recorded
As Low As; Payment example: $7486.44; Based on a $1,200,000 loan amount, 80% CLTV, FICO>=740; Adjustable Rate (15/15 ARM) with 5% rate cap for one-time adjustment
- Sep 25, 20266.58%▲ from 6.20%
- Sep 17, 20266.20%▲ from 6.18%
- Sep 14, 20266.18%first recorded
Jumbo mortgage; 5/5 ARM
- Oct 19, 20266.12%▲ from 6.10%
- Oct 13, 20266.10%▼ from 6.13%
- Sep 29, 20266.13%▲ from 5.88%
- Sep 22, 20265.88%▲ from 5.68%
Adjustable-rate mortgage loan; Rates as of Oct 13, 2026 ET
- Oct 6, 20266.83%▲ from 6.75%
- Sep 30, 20266.75%first recorded
Home Loans Over $832,750; Jumbo; Purchase; Adjustable rate (5/6 ARM)
- Oct 15, 20266.83%▲ from 6.75%
- Oct 13, 20266.75%▼ from 6.80%
- Oct 9, 20266.80%▲ from 6.75%
- Oct 5, 20266.75%▲ from 6.53%
Loan amount $940,000; down payment of at least 25%
Loan amount $940,000 with at least 25% equity; 30-year term
Boerne FHA Loan Rates
As Low As; FHA loan
Payment example: $1688.81; Based on a $185,000 loan amount with 80% CLTV and FICO>=740; includes mortgage insurance, excludes taxes and homeowners' insurance; available for purchases only
Payment example: $1293.55; Based on a $185,000 loan amount with 80% CLTV and FICO>=740; includes mortgage insurance, excludes taxes and homeowners' insurance; available for purchases only
As Low As; FHA loan
As Low As
- Oct 2, 20266.84%▼ from 6.92%
- Sep 14, 20266.92%first recorded
Fixed Rate Mortgage; based on $280,000 loan, owner-occupied, 80% LTV, FICO 740+
Rates effective 10/13/2026; Lender Fee 0.00%
- Oct 14, 20267.38%▼ from 7.41%
- Oct 10, 20267.41%▲ from 7.36%
- Oct 2, 20267.36%▼ from 7.38%
- Oct 1, 20267.38%▲ from 7.30%
As Low As
- Oct 2, 20267.41%▲ from 7.31%
- Sep 14, 20267.31%first recorded
As Low As
- Oct 2, 20267.42%▲ from 7.32%
- Sep 14, 20267.32%first recorded
Fixed Rate Mortgage; based on $280,000 loan, owner-occupied, 80% LTV, FICO 740+
Fixed Rate Mortgage; based on $280,000 loan, owner-occupied, 80% LTV, FICO 740+
Rates effective 10/13/2026; Lender Fee 0.00%
- Oct 10, 20267.72%▼ from 7.85%
- Oct 2, 20267.85%▲ from 7.72%
- Oct 1, 20267.72%▲ from 7.58%
- Sep 27, 20267.58%▲ from 7.34%
Origination fees may apply
- Oct 1, 20267.76%▲ from 7.24%
- Sep 22, 20267.24%first recorded
No additional details available.
- Oct 15, 20268.03%▲ from 6.47%
- Sep 16, 20266.47%first recorded
FHA mortgage; Rates effective as of 10/14/2026; Rates based on a 45 day lock
- Oct 15, 20268.18%▲ from 7.93%
- Oct 12, 20267.93%▼ from 8.18%
- Oct 8, 20268.18%▲ from 7.80%
- Oct 4, 20267.80%▲ from 7.67%
No additional details available.
- Oct 15, 20268.22%▲ from 6.95%
- Sep 16, 20266.95%first recorded
No additional details available.
- Oct 14, 20268.37%▼ from 8.62%
- Oct 7, 20268.62%▲ from 8.12%
- Sep 27, 20268.12%▲ from 7.86%
- Sep 24, 20267.86%first recorded
No additional details available.
- Oct 14, 20268.51%▼ from 8.64%
- Oct 7, 20268.64%▲ from 8.25%
- Sep 27, 20268.25%▲ from 8.00%
- Sep 24, 20268.00%▲ from 7.22%
Loan amount $270,019; down payment of at least 3.5%
Purchase; FHA insured, mortgage insurance required
- Oct 19, 20268.54%▼ from 8.86%
- Oct 9, 20268.86%▼ from 8.87%
- Oct 2, 20268.87%▲ from 8.52%
- Sep 29, 20268.52%▼ from 8.68%
Loan amount $270,019 with at least 3.5% equity; assumes FICO 680+
Boerne VA Loan Rates
Rate and APR as low as; Estimated payment per $10,000: $87.80; Source table values match the VA 15 year program on the page
- Oct 15, 20267.31%▲ from 7.05%
- Oct 12, 20267.05%first recorded
Rate and APR as low as; Estimated payment per $10,000: $66.53; Source table values match the VA 30 year program on the page
VA Loan Rates; Rate as low as 6.875%; Payment example $1649.93 (based on $185,000 loan, 80% CLTV, FICO>=740, includes funding fee); Available for purchases only; loan amount subject to available VA entitlement
VA Loan Rates; Rate as low as 7.125%; Payment example $1246.38 (based on $185,000 loan, 80% CLTV, FICO>=740, includes funding fee); Available for purchases only; loan amount subject to available VA entitlement
Fixed-rate; Our purchase rates
Fixed-rate; Our purchase rates
Home Loans Over $832,750; Jumbo; Purchase; Adjustable rate (5/6 ARM)
- Oct 15, 20266.83%▲ from 6.75%
- Oct 13, 20266.75%▼ from 6.80%
- Oct 9, 20266.80%▲ from 6.75%
- Oct 5, 20266.75%▲ from 6.53%
As Low As
- Oct 2, 20266.84%▲ from 6.20%
- Sep 14, 20266.20%first recorded
Home Loans Over $832,750; Jumbo; Purchase; Adjustable rate (7/6 ARM)
- Oct 15, 20266.86%▲ from 6.80%
- Oct 13, 20266.80%▼ from 6.87%
- Oct 9, 20266.87%▲ from 6.80%
- Oct 5, 20266.80%▲ from 6.55%
Home Loans up to $832,750
Home Loans up to $832,750
Rates as of Oct 13, 2026 ET. Rates subject to change.
Rates as of Oct 13, 2026 ET. Rates subject to change.
Rates effective 10/13/2026; Lender Fee 0.00%
- Oct 14, 20267.12%▼ from 7.14%
- Oct 10, 20267.14%▼ from 7.20%
- Oct 2, 20267.20%▼ from 7.24%
- Oct 1, 20267.24%▲ from 7.14%
Purchase; for military veterans; VA guaranteed
- Oct 19, 20267.23%▼ from 7.50%
- Oct 9, 20267.50%▼ from 7.51%
- Oct 2, 20267.51%▲ from 7.20%
- Sep 29, 20267.20%▼ from 7.34%
Origination fees may apply; maximum loan amounts determined by property location and may be subject to a funding fee
- Oct 1, 20267.23%▲ from 6.71%
- Sep 22, 20266.71%first recorded
As Low As
- Oct 2, 20267.41%▲ from 6.69%
- Sep 14, 20266.69%first recorded
As Low As
- Oct 2, 20267.42%▲ from 6.80%
- Sep 14, 20266.80%first recorded
Rates effective 10/13/2026; Lender Fee 0.00%
- Oct 14, 20267.43%▼ from 7.56%
- Oct 1, 20267.56%▲ from 7.17%
- Sep 27, 20267.17%▲ from 6.93%
- Sep 14, 20266.93%first recorded
Mortgage refinance rates
VA mortgage; Rates effective as of 10/14/2026; Rates based on a 45 day lock
- Oct 8, 20267.46%▲ from 7.34%
- Oct 4, 20267.34%▲ from 7.21%
- Sep 25, 20267.21%▲ from 7.08%
- Sep 18, 20267.08%first recorded
Loan amount $383,625; no down payment
Fixed Rate Mortgage; based on $280,000 loan, owner-occupied, 80% LTV, FICO 740+
Fixed Rate Mortgage; based on $280,000 loan, owner-occupied, 80% LTV, FICO 740+
Fixed Rate Mortgage; based on $280,000 loan, owner-occupied, 80% LTV, FICO 740+
No additional details available.
- Oct 7, 20267.75%▲ from 7.62%
- Sep 27, 20267.62%▲ from 7.36%
- Sep 24, 20267.36%▲ from 7.10%
- Sep 15, 20267.10%first recorded
No additional details available.
- Oct 15, 20267.76%▲ from 6.48%
- Sep 16, 20266.48%first recorded
No additional details available.
- Oct 15, 20267.92%▲ from 6.34%
- Sep 16, 20266.34%first recorded
No additional details available.
- Oct 14, 20267.93%▼ from 8.05%
- Oct 7, 20268.05%▲ from 7.93%
- Sep 27, 20267.93%▲ from 7.54%
- Sep 24, 20267.54%▲ from 7.16%
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Boerne, TX Mortgage Rate Trends
Compare local Boerne, TX mortgage rate quotes against the statewide average
Daily mortgage rate averages tracked across our database of verified mortgage rate quotes, updated every evening.
Texas 30-year fixed rates rose 0.042 points over the past 7 days to 7.430%.
Texas 15-year fixed rates rose 0.107 points over the past 7 days to 6.930%.
Texas Mortgage Rate Forecast, Next 12 Months
Where are Texas mortgage rates headed through October 2027?
Based on Fed funds rate futures, 10-year Treasury path, and historical mortgage spread model. Not financial advice.
What Forecast Rates Mean for Boerne, TX Home Buyers
Monthly principal & interest payment on Boerne, TX median home of $457,900 (20% down, 30-year fixed, city-level Census ACS median)
| Scenario | Rate | Mo. Payment | vs. Today | % of Income |
|---|---|---|---|---|
| Today (TX avg) | 7.430% | $2,544 | 36.1% | |
| 6-Month Forecast | 7.430% (7.08, 7.73%) | $2,544 | +$0/mo | 36.1% |
| 12-Month Forecast | 7.680% (7.33, 7.98%) | $2,607 | +$63/mo | 37% |
Income column = annual mortgage payment as % of Boerne, TX median household income ($84,541). Above 30% is generally considered cost-burdened.
MonitorBankRates Housing Affordability Index (MBR-HAI)
A daily-updated affordability score for Boerne, Texas , computed from local Census Bureau data combined with current Texas mortgage rates.
What This Score Means for Boerne, Texas Home Buyers
With a score of 83.0, Boerne, Texas is 14.1 points less affordable than the national average of 97.1. The area’s median home value of $457,900 against a median household income of $84,541 produces a price-to-income ratio of 5.4x , modestly above the national norm. At the current Texas mortgage rate of 7.430%, a buyer purchasing the median-priced home with 20% down would carry a monthly payment of approximately $2,544 in principal and interest.
Beyond the mortgage payment, the median total monthly owner cost in this area is $1,900, covering mortgage, property taxes, insurance, and utilities. Property taxes alone average $579/month ($6,947/year). These ongoing costs factor directly into the MBR-HAI alongside the mortgage rate and income data.
Score computed from local U.S. Census Bureau ACS 5-Year Estimates (2024) and CPS/HVS Q4 2025 data, combined with the current Texas live mortgage rate. Score of 100 = national average at 6.5% reference rate. Full methodology
How Mortgage Rates Impact Home Affordability in Boerne, Texas
Boerne, Texas Housing Market Overview
According to the U.S. Census Bureau, the median owner-occupied home value in Boerne, Texas is approximately $457,900. The 2026 FHFA conforming loan limit for this area is $832,750, meaning most buyers financing at 80% LTV will qualify for conforming loan pricing, making rate comparison across local lenders especially valuable.
Boerne, Texas Homeownership Rate
The homeownership rate in Boerne, Texas stands at 63.2%, near the national average of 65.7%. The homeowner vacancy rate is 1.6%.
Monthly Payment Estimates for Boerne, Texas Buyers
Even a small difference in your interest rate can add up to tens of thousands of dollars over the life of a loan. The table below shows monthly principal and interest payments on a $370,000 mortgage, based on a 20% down payment on the Boerne, Texas median home value.
| Interest Rate | Loan Term | Monthly Payment | Total Interest Paid |
|---|---|---|---|
| 6.930% | 30-year fixed | $2,444 | $509,930 |
| 7.430% Current Avg | 30-year fixed | $2,569 | $554,977 |
| 7.930% | 30-year fixed | $2,697 | $600,882 |
| 6.930% | 15-year fixed | $3,311 | $226,016 |
A 0.500% rate increase on a $370,000 loan adds roughly $128 per month and over $45,905 in total interest over a 30-year term. That’s why comparing verified, current rates from multiple lenders, using the rate table above, is one of the most impactful financial decisions a Boerne, Texas buyer can make.
Data sources: U.S. Census Bureau; Federal Housing Finance Agency (FHFA). Monthly payments shown are principal & interest only; taxes, insurance, and PMI not included.
Boerne, Texas Income & Housing Affordability
At a price-to-income ratio of 5.4x, Boerne, Texas is a moderately expensive housing market. That ratio, median home value divided by median household income, is a standard benchmark used by housing economists to gauge how accessible homeownership is relative to local earnings. The national baseline is approximately 3.8x.
What This Means for Boerne, Texas Buyers
With a median household income of $84,541 per year in Boerne, Texas ($7,045/month) and a median home value of approximately $457,900, a buyer financing at 80% LTV at the current average rate would commit roughly 36.5% of gross monthly income to principal and interest alone. That places most buyers above the 30% threshold housing economists use to define "cost burdened", before taxes, insurance, HOA fees, or PMI are factored in.
Compared to the Texas statewide price-to-income ratio of 3.6x, Boerne is notably less affordable relative to local incomes than the state average; buyers here face steeper hurdles to homeownership even compared to other Texas markets. In either case, even a 0.25% improvement in your mortgage rate meaningfully reduces both the income needed to qualify and the total cost over the loan term.
Data sources: U.S. Census Bureau. Monthly payment estimate assumes 80% LTV at current average rate; principal and interest only.
Full Cost of Homeownership in Boerne, Texas
A mortgage payment is just the starting point. Property taxes, insurance, and utilities add hundreds of dollars per month to the true cost of owning a home in Boerne, Texas. Understanding the full picture before you buy is the difference between a home you can afford and one that stretches you thin.
Owner vs. Renter Costs
In Boerne, Texas, the median homeowner with a mortgage pays approximately $1,900/month in total housing costs, covering the mortgage payment, property taxes, insurance, and utilities. The median renter pays $1,589/month including utilities. The $311/month difference between owning and renting is relatively narrow, worth factoring carefully into a rent vs. buy analysis given that owners also build equity over time. Property taxes alone account for $579/month of the ownership cost, a figure that can vary dramatically by location and is often underestimated by first-time buyers.
Housing Cost Burden
The federal standard defines “cost burdened” as spending more than 30% of gross household income on housing. “Severely cost burdened” means spending 50% or more. Both thresholds leave little room for savings, emergencies, or other financial goals.
In Boerne, Texas, 26% of homeowners with mortgages are cost burdened and 52.7% of renters are cost burdened. Renters face significantly higher burden rates than owners, a pattern that often reflects lower renter incomes rather than lower rental costs, and one that can make the path from renting to owning financially difficult even when mortgage payments might be affordable. With an owner burden rate of 26% near the national average of 28.0%, this market reflects typical affordability conditions for mortgage holders.
Data sources: U.S. Census Bureau, American Community Survey 5-Year Estimates. Monthly owner costs include mortgage payment, taxes, insurance, and utilities. Property taxes reflect median annual taxes for mortgage holders. Rent reflects median gross rent including utilities. Cost burden figures reflect households spending 30%+ of gross income on housing.
Boerne, Texas Mortgage Payment Calculator
See your estimated monthly principal & interest payment at today’s Boerne, Texas rates. The home price is prefilled with the local median home value. Adjust anything, or click a current rate on the right to apply that loan type’s rate and term instantly.
Principal & interest only, excludes property taxes, homeowners insurance, PMI, and HOA dues. See the Full Cost of Homeownership section above for those figures. Estimates are for informational purposes only.
Run the Numbers on Your Boerne, Texas Home Loan
Rates are only part of the equation. Use these calculators to translate current Boerne, Texas mortgage rates and home loan rates into real numbers for your specific situation before you request quotes from mortgage lenders.
Enter your loan amount, interest rate, and term length to see your estimated monthly principal and interest payment. Adjust any variable to model different scenarios: a larger down payment, a shorter term, or a rate a quarter-point lower than what you were quoted.
CalculateTell us your gross income, monthly debt obligations, and how much you have for a down payment. We’ll show you the home price range you’re likely to qualify for at current Boerne, Texas rates, so you can shop with a realistic number in mind rather than discovering your ceiling after you’ve fallen in love with a property.
CalculateIf you already own a home, enter your current rate, remaining loan balance, and the rate you’ve been quoted to refinance. The calculator shows your new monthly payment, how much you’d save each month, and the break-even point, the number of months it takes for your savings to cover the closing costs of refinancing.
CalculateBuying isn’t always the better financial decision, and renting isn’t always throwing money away. This calculator weighs the full cost of each path: mortgage payments, taxes, insurance, and maintenance against rent increases and the opportunity cost of a down payment, to show which option builds more wealth over your intended time horizon in Boerne, Texas.
CalculateTypes of Mortgages Available in Boerne, Texas
Not every loan program is right for every buyer in Boerne, Texas. Rates, down payment requirements, eligibility rules, and long-term costs vary significantly across products, and the right choice depends on your credit profile, how long you plan to stay, and whether you qualify for any government-backed programs.
Fixed-Rate Mortgage
A fixed-rate mortgage locks your interest rate in for the entire loan term. Your principal and interest payment on day one is identical to payment 360. That predictability is valuable for long-term financial planning, especially in markets where housing costs represent a large share of household income.
Available in 10-, 15-, 20-, and 30-year terms. The 30-year minimizes monthly payments; the 15-year cuts total interest paid dramatically but requires a higher monthly commitment. The payment comparison table above shows exactly how those trade-offs look at today’s Boerne, Texas rate levels.
Adjustable-Rate Mortgage (ARM)
An ARM offers a fixed introductory rate for an initial period, commonly 5, 7, or 10 years, after which the rate adjusts periodically based on a market index. The starting rate is typically lower than a comparable fixed-rate loan, which reduces your monthly payment during the initial window.
ARMs work best when you have a defined exit timeline: if you plan to sell or refinance before the fixed period ends, you capture the lower rate without exposure to future adjustments. Rate caps govern how much the rate can move at each adjustment and in total, so read those terms closely before committing.
FHA Loan
Backed by the Federal Housing Administration, FHA loans are built for buyers who don’t yet meet conventional loan standards. You can qualify with a credit score of 580 and just 3.5% down, and some lenders will consider scores as low as 500 with a 10% down payment.
The cost of that lower barrier is mortgage insurance. FHA loans carry an upfront MIP of 1.75% of the loan amount (which can be rolled in) plus an annual MIP of 0.15% to 0.75% depending on your term and LTV. For buyers who would otherwise wait years to save a larger down payment, given ongoing home price trends in Boerne, Texas, FHA is often the faster path to ownership.
VA Loan
Available to eligible active-duty service members, veterans, reservists, National Guard members, and qualifying surviving spouses, VA loans are among the most favorable mortgage programs available anywhere. No down payment is required, there is no monthly mortgage insurance, and rates are generally competitive with, and often better than, conventional loan rates.
A one-time funding fee applies, 2.15% of the loan for first-time VA borrowers with no down payment, which can be financed into the loan. In Boerne, Texas, where home prices require substantial savings for a conventional down payment, the zero-down VA benefit is an enormous advantage for those who qualify.
Jumbo Loan
The 2026 FHFA conforming loan limit for Boerne, Texas is $832,750. Mortgages above that amount are classified as jumbo loans and are not eligible for purchase by Fannie Mae or Freddie Mac, which means lenders carry the full risk and price that risk accordingly.
Jumbo underwriting is stricter: lenders typically require a credit score of 700 or higher, substantial cash reserves, thorough income documentation, and a down payment of at least 10 to 20%. Rates may run slightly above conforming levels, though the gap narrows in competitive lending environments.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Boerne, Texas mortgage rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Boerne, Texas directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Boerne, Texas. We feature a comprehensive mix of licensed NMLS financial institutions, from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in TX.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data, including the Texas Ratio, ensuring you compare rates from secure, reliable lenders.
How a Mortgage Works in Boerne, Texas
A mortgage is a loan used to buy a home in Boerne, Texas, secured by the property itself as collateral. The borrower repays the amount over a set term, most commonly 30 or 15 years, in monthly installments that cover both principal and interest. Because the loan is secured, the lender can foreclose on the home if payments are not made, which is part of why mortgage rates are lower than rates on unsecured debt.
Fixed-Rate vs. Adjustable-Rate Mortgages for Boerne, Texas Buyers
A fixed-rate mortgage keeps the same interest rate for the entire term, so a Boerne, Texas homeowner’s principal-and-interest payment never changes. For example, Frost Bank is listing a Frost Progress Mortgage Options - 30-year fixed-rate (Income-based) at 5.75%. An adjustable-rate mortgage (ARM) starts with a fixed period, often five, seven, or ten years, and then adjusts periodically based on a market index. ARMs usually open with a lower rate, but the payment can rise once the fixed period ends, so they tend to suit Boerne, Texas borrowers who expect to move or refinance before that point. On the adjustable-rate side, Security Service Federal Credit Union is listing a 15/15-Year Adjustable Rate Mortgage at 6.375%.
How Boerne, Texas Mortgage Rates Are Set
Mortgage rates move with the broader bond market, particularly the yield on the 10-year Treasury, plus a spread that reflects lender costs and risk. On top of that national baseline, the rate a Texas borrower is offered depends on individual factors: credit score, down payment size, loan amount, loan type, and the property itself. This is why the advertised rates above are a starting point, and a borrower’s final rate is set once an application is underwritten.
Points and Closing Costs in Boerne, Texas
The interest rate is not the only cost of buying a home in Boerne, Texas. Discount points are an optional upfront fee (one point equals one percent of the loan amount) paid to lower the rate over the life of the loan. Closing costs cover items such as origination fees, appraisal, title insurance, and recording, and typically run two to five percent of the loan. Comparing the annual percentage rate (APR) alongside the note rate helps Boerne, Texas shoppers account for these costs when weighing lenders.
When Boerne, Texas Homeowners Should Consider Refinancing
Refinancing replaces an existing mortgage with a new one, usually to secure a lower rate, change the term, or tap home equity. For Boerne, Texas homeowners, the general guideline is that refinancing makes sense when the savings from a lower rate recoup the closing costs within the time the borrower plans to stay in the home, known as the break-even point. Borrowers also refinance to switch from an adjustable rate to a fixed rate, or to remove mortgage insurance once enough equity has built up. Current Boerne, Texas refinance rates from local lenders are listed on our refinance page.
Frequently Asked Questions about Mortgage Rates in Boerne, Texas
What are home loan rates in Boerne, TX today?
How does my credit score affect my rate in Texas?
What is a 30-Year Fixed Mortgage?
What are closing costs in Texas?
Should I lock my mortgage rate?
What is an Adjustable-Rate Mortgage (ARM)?
What is a Jumbo Loan in Boerne, Texas?
Do I need 20% down to buy a house in Texas?
What is the difference between Interest Rate and APR?
How do I compare mortgage lenders in Boerne, Texas?
How do I get mortgage quotes in Boerne, Texas?
What is the median home value in Boerne, Texas?
What is the homeownership rate in Boerne, Texas?
What is the conforming loan limit in Boerne, Texas?
What is the median monthly cost of homeownership in Boerne, Texas?
What are the median property taxes in Boerne, Texas?
What is the median rent in Boerne, Texas?
What percentage of homeowners are cost burdened in Boerne, Texas?
What percentage of renters are cost burdened in Boerne, Texas?
What are the best Mortgage rates in Boerne, Texas?
- Frost Bank: 5.75% (Frost Progress Mortgage Options - 30-year fixed-rate (Income-based))
- Randolph Brooks FCU: 7.00% (FHA 30 Year Fixed)
- Security Service Federal Credit Union: 7.875% (1XClose 30 YR Fixed)
- Chemcel Federal Credit Union: 6.054% (30-Year Fixed Rate Mortgage)
- Telco Plus Credit Union: 6.25% (Mortgage - 30 Year Fixed)
Boerne, Texas Rates & Resources
