Mortgage Solutions Built for Texas
Whether you're buying your first home, refinancing, or investing in property — we have a loan program designed for your situation.
30-Year Fixed Conventional
The most widely used mortgage in America. A fixed rate means your principal and interest payment never changes — giving you predictable budgeting for the life of the loan.
Best for
Buyers with good credit who want long-term payment stability and plan to stay in the home.
Key features
- Fixed rate — payment never changes
- No upfront mortgage insurance premium
- PMI removable once you reach 20% equity
- Available for primary, secondary, and investment properties
Sample Rates
as of August 10, 2026
Rate
6.875%
APR
7.12%
Sample rates only — not a commitment. Contact us for your personalized rate.
All Programs at a Glance
Compare key details across every loan type we offer.
| Program | Rate | APR | Min. Down | Min. Credit | |
|---|---|---|---|---|---|
Conventional 30-Year Fixed | 6.875% | 7.12% | 3% | 620 | |
15-Year Fixed 15-Year Fixed | 6.250% | 6.48% | 3% | 620 | |
5/1 ARM 30-Year (5 fixed / 25 adjustable) | 6.125% | 6.89% | 5% | 640 | |
FHA 30-Year Fixed | 6.625% | 7.45% | 3.5% | 580 | |
VA 30-Year Fixed | 6.375% | 6.62% | 0% | 580 | |
Construction 15- or 30-Year Fixed / 7/6 or 10/6 ARM | 6.875% | 7.15% | 5% | 620 | |
DSCR 30-Year Fixed | 6.625% | 6.99% | 20% | 640 | |
Bank Statement 30-Year Fixed | 6.875% | 7.25% | 10% | 620 |
Rates shown are sample rates for illustration purposes only. Contact NewTrust for your personalized rate. NMLS #2705180.
Not sure which program fits you?
Talk to Mason and the NewTrust team. We'll match you to the right loan for your goals — no pressure, no jargon.