Done shopping Texas lenders? Show us your best offer. We’ll match or beat their total lending cost across San Antonio, Houston, Dallas, Austin, and statewide — guaranteed. If we can’t, we’ll say so honestly. See today's rates or learn about our direct-lender model.
Beat It
Or We'll Match
0.125%
Rate Match Precision
$500
Min Savings to Qualify
How It Works
Show us a Loan Estimate (LE) from any licensed lender — not a marketing rate, but an actual LE with your name, loan amount, and itemized fees. We need apples to apples.
Our pricing desk reviews every line — rate, points, origination, processing, underwriting, and all lender charges. We compare on total cost, not just the rate.
If we can match or beat their total lending cost, we lock it in. If we can't, we'll tell you honestly — and explain exactly why their deal may actually be better.
Total Cost Analysis
A low rate with high fees can cost you more than a slightly higher rate with zero fees. Our pricing team analyzes the total cost of lending — every line item, every charge, every credit. Use our mortgage calculator or weigh whether to buy down with our mortgage points calculator.
Use our Loan Estimate Comparison ToolInterest Rate
The actual note rate, not the APR marketing number
Lender Origination Fees
Points, origination charges, processing & underwriting
Rate Lock Period
A 45-day lock at 6.5% isn't the same as a 15-day lock at 6.5%
Discount Points
Buying down the rate changes the total cost equation significantly
Loan Program
We match program to program — conforming vs conforming, FHA vs FHA
Lender Credits
Some lenders offer lower fees but no credits — we look at the net
Upload your competitor’s Loan Estimate or bring it to a call. We’ll beat it or tell you why theirs is truly better. Pair this with our Rate Drop Guarantee and Fast Closing Guarantee on the same loan, whether it’s a conventional loan, FHA loan, or VA loan.
Price Match Guarantee Terms: Requires a valid Loan Estimate (LE) from a licensed mortgage lender issued within the last 7 business days. Comparison is based on total lender fees and interest rate for the same loan program, term, and lock period. Competitor must be a licensed, state or federally chartered lending institution. Online rate quotes, pre-qualification letters, and marketing materials are not eligible. Minimum $500 difference in total lender fees required. Available on conforming, FHA, VA, and jumbo loans. Subject to credit approval and standard underwriting. This is not a commitment to lend. Equal Housing Lender. Neighborhood Loans, Inc. (dba STX Lending) NMLS #222982. Programs, rates, terms subject to change without notice.