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Welcome to Pineywoods Home Loans, your Texas home loan experts dedicated to making sure your home purchase or refinance experience is top-notch.

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Pineywoods Home Loans

Pineywoods Home Loans

Broker/Owner
NMLS# 1996823

(936) 280-4377 Email Me

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Real Customer Experiences

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Current

Texas

Mortgage Rates

FHA Loans

Purchase - 30 Year Fixed

Rate5.63%

1W Change 0.13%

APR6.35%

1W Change 0.13%

Refinance - 30 Year Fixed

Rate5.42%

1W Change 0.46%

APR6.15%

1W Change 0.46%
Last Updated: 4/21/2026

Conventional Loans

Purchase - 30 Year Fixed

Rate6.33%

1W Change 0.03%

APR6.33%

1W Change 0.03%

Refinance - 30 Year Fixed

Rate6.37%

1W Change 0.12%

APR6.38%

1W Change 0.11%
Last Updated: 4/21/2026

VA Loans

Purchase - 30 Year Fixed

Rate5.42%

1W Change 0.01%

APR5.72%

1W Change 0.04%

Refinance - 30 Year Fixed

Rate5.48%

1W Change 0.04%

APR5.77%

1W Change 0.00%
Last Updated: 4/21/2026

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Pineywoods Home Loans to receive a personalized rate for your specific situation.

  • Working with Jennifer was absolutely the best!! She made the process so much easier and explained everything to us! She is definitely the best at her job! She was very quick to respond and super helpful with exploring our loan options! Jennifer answered every question we had and we learned so many things about the… Macey Rebollar - November 20, 2025
  • Working with Jennifer Ferguson was truly a blessing for our family. From start to finish, she guided us through the entire home buying and application process with patience and genuine care. Any time we had questions, she made herself available and always explained things in a way we could understand. She really went above and… Jay Hill - November 15, 2025
  • Working with our mortgage broker has been such a smooth and stress-free experience. From day one, they were incredibly knowledgeable, patient, and truly committed to helping us understand every part of the process. They communicated clearly, answered all of our questions right away, and made sure we always felt confident about the next steps. What… Angela Newsom - November 14, 2025
  • YOUR QUICK RESPONSE TO ANY AND ALL MY QUESTIONS SURPRISED ME. YOU TOOK THE TIME TO EXPLAIN TO ME MY LOAN OPTIONS. THAT MAKES SUCH A DIFFERENCE TO SOMEONE THAT HAS NO CLUE WHAT TO CHOOSE AND WHAT THEY ARE DOING. Sandra - November 14, 2025
  • I like the way you compared multiple lenders with one credit check! Anonymous - November 14, 2025
  • I feel like you did everything perfectly! Betty - November 14, 2025

Mortgage Calculators

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

$

5%

1%

5%

0%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. View the FHA loan limits in your area.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Up-Front MIP (1.75%)$0

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

$

0%

4.5%

1%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Curious about refinancing your home in Texas? Now may be the right time to start saving money every month!

$
%
months
$
%
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!

$
$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.
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Contact Pineywoods Home Loans

Pineywoods Home Loans

333 Tenaha Street
Center, Texas 75935
(936) 280-4377
NMLS# 1996823

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