Mortgage Loans in La Joya, TX

Searching for the lowest mortgage rates in La Joya, TX? Compare offers from top local banks and credit unions to find the best deal that fits your budget and lifestyle. We make it easy to explore flexible terms and personalized service right in your community.

Whether you’re buying your first home or refinancing, getting the right mortgage can save you thousands. Start comparing today and take the stress out of home financing with clear options tailored to La Joya’s unique market. Your dream home is closer than you think.

PurchaseRefinanceData Analysis

Filters

Loan Type
Lender
Loan Type
Rate
APR
Term
Link
Info
rallycu
Conv
6.125 - 7 %
6.164 - 7.025 %
15 - 30 Yrs
∞
penfed
Conv
6.25 %
6.434 %
30 Yrs
∞
itcu
Conv
6.5 %
6.5 %
5 Yrs
∞
wellbyfinancial
Conv
6.875 %
7.576 %
30 Yrs
∞

Today’s Mortgage Rates & Analysis - Updated on 2026-AUG-28

Federal Funds Rate - Trends & Analysis:

Today’s Fed Funds Effective Rate is 3.75%. This rate has stayed the same compared to 1, 7, 30, 60, and 90 days ago. When the Fed Funds rate is steady, it can help keep mortgage rates stable since banks use this rate to set loan costs.

Credit Union Loan Rates - Trends & Analysis:

Rally offers a 15-year Conventional Fixed rate at 6.125% and a 30-year Conventional Fixed rate at 7.0% today. The 15-year rate is up 38 bp from 30 days ago. The 30-year rate shows no change over the past 15 days. Both 15- and 30-year Conventional rates are the same for fixed and refinances. Pentagon offers 30-year Conventional Fixed and 30-year VA Fixed loans at 6.25% today. The 30-year FHA Fixed and VA Fixed loans are both at 5.75%. Rates have held steady over the past week and month.

Intouch offers a 5-year ARM at 6.5%, up 25 bp from 30 days ago. This is the only rate available today. Jsc offers a 15-year conventional fixed rate at 6.5% and a 30-year conventional fixed rate at 6.375%. The 30-year conventional fixed rate has held steady over the past week and month. For 30-year VA fixed, the rate is 6.125%, down 25 bp from a month ago. The 30-year conventional refinance rate is 6.875%, down 12 bp from a month ago.

Market Indicators - Data & Insights:

Today, Zillow’s 30-year mortgage rate is 6.411%, and Freddie Mac’s 30-year rate is 6.660%, with Zillow lower than Freddie Mac. Zillow’s 15-year rate is 6.109%, down from 7 days ago. These rates reflect the cost borrowers pay to finance homes, influencing how many people can afford to buy or refinance.

🏦 Local Lenders in La Joya, TX

See the full lender directory — hours, services & financials →

🏘️ All the Lenders Available in Hidalgo County, TX

✅SECURITY SERVICE FEDERAL CREDIT UNION
✅GULF COAST 4060 CREDIT UNION
✅RALLY CREDIT UNION
✅SOUTH TEXAS FEDERAL CREDIT UNION
✅SECURITY FIRST FEDERAL CREDIT UNION
✅LA JOYA AREA FEDERAL CREDIT UNION
✅EDINBURG TEACHERS CREDIT UNION
✅GREATER TEXAS FEDERAL CREDIT UNION
✅NAFT FEDERAL CREDIT UNION
✅HIGHWAY DISTRICT 21 FEDERAL CREDIT UNION

Compare other loan types in La Joya, TX

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