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San Angelo

Compare Current San Angelo, Texas Mortgage Rates

Compare San Angelo, TX mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in San Angelo.

We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in San Angelo. Plus, shopping lenders is free and there is no obligation.

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San Angelo, TX Mortgage Rates as of January 9, 2025
  • Lender
  • APR
  • Loan Type
  • Rate
  • Payment
  • Fees & Points
  • Contact
PenFed Credit Union
5.535%
15 Yr Fixed
5.250%45 day rate lock
$3,216/m
$7,5000.875 Pts: $3,500 Fees: $4,000
APR
5.535%
Rate
5.250%45 day rate lock
Payment
$3,216/m
Fees & Points
$7,5000.875 Pts: $3,500 Fees: $4,000
NMLS ID: 401822
Reliant Home Loans
5.573%
15 Yr Fixed
5.375%30 day rate lock
$3,242/m
$5,1760.794 Pts: $3,176 Fees: $2,000
APR
5.573%
Rate
5.375%30 day rate lock
Payment
$3,242/m
Fees & Points
$5,1760.794 Pts: $3,176 Fees: $2,000
NMLS ID: 1945532
District Lending
5.592%
15 Yr Fixed
5.375%30 day rate lock
$3,242/m
$5,6760.919 Pts: $3,676 Fees: $2,000
APR
5.592%
Rate
5.375%30 day rate lock
Payment
$3,242/m
Fees & Points
$5,6760.919 Pts: $3,676 Fees: $2,000
NMLS ID: 1835285
Evolve Capital Lending
5.687%
15 Yr Fixed
5.375%30 day rate lock
$3,242/m
$8,1710.794 Pts: $3,176 Fees: $4,995
APR
5.687%
Rate
5.375%30 day rate lock
Payment
$3,242/m
Fees & Points
$8,1710.794 Pts: $3,176 Fees: $4,995
NMLS ID: 1862063
Pure Rate Mortgage
5.778%
15 Yr Fixed
5.625%30 day rate lock
$3,295/m
$3,9620.728 Pts: $2,912 Fees: $1,050
APR
5.778%
Rate
5.625%30 day rate lock
Payment
$3,295/m
Fees & Points
$3,9620.728 Pts: $2,912 Fees: $1,050
NMLS ID: 2578474
Beeline Loans, Inc.
5.896%
15 Yr Fixed
5.750%30 day rate lock
$3,322/m
$3,7870.697 Pts: $2,788 Fees: $999
APR
5.896%
Rate
5.750%30 day rate lock
Payment
$3,322/m
Fees & Points
$3,7870.697 Pts: $2,788 Fees: $999
NMLS ID: 1799947
Mutual of Omaha Mortgage, Inc.
5.930%
15 Yr Fixed
5.750%30 day rate lock
$3,322/m
$4,6520.988 Pts: $3,952 Fees: $700
APR
5.930%
Rate
5.750%30 day rate lock
Payment
$3,322/m
Fees & Points
$4,6520.988 Pts: $3,952 Fees: $700
NMLS ID: 1025894
LoanFlight Lending, LLC
5.995%
15 Yr Fixed
5.875%30 day rate lock
$3,349/m
$3,0840.771 Pts: $3,084 Fees: $0
APR
5.995%
Rate
5.875%30 day rate lock
Payment
$3,349/m
Fees & Points
$3,0840.771 Pts: $3,084 Fees: $0
NMLS ID: 1522344   LICENSE: 1522344
Allied Mortgage Group, Inc.
6.148%
15 Yr Fixed
6.000%30 day rate lock
$3,376/m
$3,8000.950 Pts: $3,800 Fees: $0
APR
6.148%
Rate
6.000%30 day rate lock
Payment
$3,376/m
Fees & Points
$3,8000.950 Pts: $3,800 Fees: $0
NMLS ID: 1067
Rocket Mortgage
6.387%
15 Yr Fixed
6.250%30 day rate lock
$3,430/m
$3,5000.875 Pts: $3,500 Fees: $0
APR
6.387%
Rate
6.250%30 day rate lock
Payment
$3,430/m
Fees & Points
$3,5000.875 Pts: $3,500 Fees: $0
NMLS ID: 3030
Reliant Home Loans
6.620%
30 Yr Fixed
6.500%30 day rate lock
$2,529/m
$5,0000.750 Pts: $3,000 Fees: $2,000
APR
6.620%
Rate
6.500%30 day rate lock
Payment
$2,529/m
Fees & Points
$5,0000.750 Pts: $3,000 Fees: $2,000
NMLS ID: 1945532
District Lending
6.632%
30 Yr Fixed
6.500%30 day rate lock
$2,529/m
$5,5000.875 Pts: $3,500 Fees: $2,000
APR
6.632%
Rate
6.500%30 day rate lock
Payment
$2,529/m
Fees & Points
$5,5000.875 Pts: $3,500 Fees: $2,000
NMLS ID: 1835285
Evolve Capital Lending
6.691%
30 Yr Fixed
6.500%30 day rate lock
$2,529/m
$7,9950.750 Pts: $3,000 Fees: $4,995
APR
6.691%
Rate
6.500%30 day rate lock
Payment
$2,529/m
Fees & Points
$7,9950.750 Pts: $3,000 Fees: $4,995
NMLS ID: 1862063
Reliant Home Loans
6.767%
5 Yr ARM
6.625%30 day rate lock
$2,562/m
$5,8800.970 Pts: $3,880 Fees: $2,000
APR
6.767%
Rate
6.625%30 day rate lock
Payment
$2,562/m
Fees & Points
$5,8800.970 Pts: $3,880 Fees: $2,000
NMLS ID: 1945532
Pure Rate Mortgage
6.817%
30 Yr Fixed
6.750%30 day rate lock
$2,595/m
$2,7500.425 Pts: $1,700 Fees: $1,050
APR
6.817%
Rate
6.750%30 day rate lock
Payment
$2,595/m
Fees & Points
$2,7500.425 Pts: $1,700 Fees: $1,050
NMLS ID: 2578474
PenFed Credit Union
6.818%
30 Yr Fixed
6.625%45 day rate lock
$2,562/m
$8,0001.000 Pts: $4,000 Fees: $4,000
APR
6.818%
Rate
6.625%45 day rate lock
Payment
$2,562/m
Fees & Points
$8,0001.000 Pts: $4,000 Fees: $4,000
NMLS ID: 401822
Evolve Capital Lending
6.839%
5 Yr ARM
6.625%30 day rate lock
$2,562/m
$8,8750.970 Pts: $3,880 Fees: $4,995
APR
6.839%
Rate
6.625%30 day rate lock
Payment
$2,562/m
Fees & Points
$8,8750.970 Pts: $3,880 Fees: $4,995
NMLS ID: 1862063
District Lending
6.889%
5 Yr ARM
6.750%30 day rate lock
$2,595/m
$5,7160.929 Pts: $3,716 Fees: $2,000
APR
6.889%
Rate
6.750%30 day rate lock
Payment
$2,595/m
Fees & Points
$5,7160.929 Pts: $3,716 Fees: $2,000
NMLS ID: 1835285
Beeline Loans, Inc.
6.962%
30 Yr Fixed
6.875%30 day rate lock
$2,628/m
$3,5390.635 Pts: $2,540 Fees: $999
APR
6.962%
Rate
6.875%30 day rate lock
Payment
$2,628/m
Fees & Points
$3,5390.635 Pts: $2,540 Fees: $999
NMLS ID: 1799947
LoanFlight Lending, LLC
6.963%
30 Yr Fixed
6.875%30 day rate lock
$2,628/m
$3,5880.897 Pts: $3,588 Fees: $0
APR
6.963%
Rate
6.875%30 day rate lock
Payment
$2,628/m
Fees & Points
$3,5880.897 Pts: $3,588 Fees: $0
NMLS ID: 1522344   LICENSE: 1522344
Mutual of Omaha Mortgage, Inc.
6.967%
30 Yr Fixed
6.875%30 day rate lock
$2,628/m
$3,7520.763 Pts: $3,052 Fees: $700
APR
6.967%
Rate
6.875%30 day rate lock
Payment
$2,628/m
Fees & Points
$3,7520.763 Pts: $3,052 Fees: $700
NMLS ID: 1025894
Allied Mortgage Group, Inc.
7.073%
30 Yr Fixed
6.990%30 day rate lock
$2,659/m
$3,3720.843 Pts: $3,372 Fees: $0
APR
7.073%
Rate
6.990%30 day rate lock
Payment
$2,659/m
Fees & Points
$3,3720.843 Pts: $3,372 Fees: $0
NMLS ID: 1067
Rocket Mortgage
7.313%
30 Yr Fixed
7.250%30 day rate lock
$2,729/m
$2,5000.625 Pts: $2,500 Fees: $0
APR
7.313%
Rate
7.250%30 day rate lock
Payment
$2,729/m
Fees & Points
$2,5000.625 Pts: $2,500 Fees: $0
NMLS ID: 3030
PenFed Credit Union
8.576%
5 Yr ARM
8.375%45 day rate lock
$3,041/m
$7,5000.875 Pts: $3,500 Fees: $4,000
APR
8.576%
Rate
8.375%45 day rate lock
Payment
$3,041/m
Fees & Points
$7,5000.875 Pts: $3,500 Fees: $4,000
NMLS ID: 401822
Veterans United Home Loans
  • Use your VA Loan benefits to get cash from your home equity
  • Get a personalized quote fast with instant uploads and 24/7 access
  • Over 300,000 verified 5-star reviews
  • Use your VA Loan benefits to get cash from your home equity
  • Get a personalized quote fast with instant uploads and 24/7 access
  • Over 300,000 verified 5-star reviews
NMLS ID: 1907
Neighbors Bank
  • Minimum 620 credit score needed to prequalify
  • 0% down USDA loan for rural homebuyers
  • 97% of borrowers would recommend to friends or family
  • Minimum 620 credit score needed to prequalify
  • 0% down USDA loan for rural homebuyers
  • 97% of borrowers would recommend to friends or family
NMLS ID: 491986
Beeline Loans, Inc.
  • Apply in less than 10 minutes.
  • Fast, stress-free closing in as little as 14 days
  • More loan types so you’re more likely to qualify
  • "The smoothest refi experience I’ve ever had" - TR, Houston
  • Apply in less than 10 minutes.
  • Fast, stress-free closing in as little as 14 days
  • More loan types so you’re more likely to qualify
  • "The smoothest refi experience I’ve ever had" - TR, Houston
NMLS ID: 1799947

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Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Read through our lender table disclaimer for more information on rates and product details.

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Compare Today's San Angelo, TX Mortgage Rates

January 9, 2025

Current mortgage rates in San Angelo, TX are 6.774% for a 30 year fixed rate loan, 5.662% for a 15 year fixed loan and 7.094% for a 5/1 adjustable rate mortgage (ARM)

Mortgage Program
Today's
San Angelo, TX Rates
National
Average
Comparison
30 Year Fixed Rate
6.774%
6.670%
15 Year Fixed Rate
5.662%
5.960%
5/1 Adjustable Rate Mortgage
7.094%
6.250%

How Affordable is Housing in San Angelo, Texas?

Below we provide helpful information on the real estate market, home prices and housing affordability in San Angelo. Understand how much you need to earn to afford a home in San Angelo, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in San Angelo fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in San Angelo is right for you.

The median home value for San Angelo, TX (Tom Green County) is $185,885

Based on current mortgage rates and a 10% down payment, you need to make $38,779 per year to buy the median priced home in San Angelo

With this income, you could qualify for a $167,297 mortgage, assuming your monthly debt expense is reasonable

Based on this loan amount, the monthly mortgage payment required to buy the median priced home in San Angelo is $898

The median household income for San Angelo, TX (Tom Green County) is $62,549

Based on this income, you can afford a home valued at approximately $299,829

The home price you can afford to buy based on household income in San Angelo is 161% of the median home value which means housing prices are average. San Angelo (Tom Green County) ranks 167 out of 254 counties in Texas and 1,595 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in San Angelo, TX is average

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Loan Limits for San Angelo, Texas

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for San Angelo (Tom Green County) below.

Conforming loan limits for San Angelo, TX

1 unit: $726,200
2 units: $929,850
3 units: $1,123,900
4 units: $1,396,800

FHA loan limits for San Angelo, TX

1 unit: $472,030
2 units: $604,400
3 units: $730,525
4 units: $907,900

VA loan limits for San Angelo, TX

1 unit: $726,200

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