Mortgage Rates

Loan Type



30 Year Fixed


15 Year Fixed


Jumbo 30 Year Fixed


FHA 30 Year Fixed


VA 30 Year Fixed


* Texas Mortgage Rates as of 11/5/2015 1:30 PM. Rates quoted with 0% points with these assumptions. Not all programs are available in all areas or to all borrowers.

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  • Low Down-Payments
  • Buy, Refi, or Cash Out
  • Primary or second home
  • New Construction or Existing Homes
  • Investment Properties
  • Bridge Loans, Divorce Loans and other special solutions

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  • Primary Residence
  • Second & vacation homes
  • Condos & rental property
  • Cars, trucks & motorcycles
  • RVs & motor homes
  • Nationally Renowned Carriers
  • Save up to $500/year

Hurst Realtor Match:  Free Realtor Referral Service

Expert Realtors You Can Count On

  • Whatever your real estate needs, we will find a specialized expert for you
  • Experienced Realtors specializing in rural properties, VA Loans, first-time home-buyers, growing families, down-sizing, investment properties and more.
  • Save time and hassle
  • Buyer’s and Seller’s Agents
  • No cost, no obligation
  • Up to $6000 cash back!

Click to learn more about the Hurst Realtor Match referral program.

Why Choose Hurst

Customer Reviews


Repeat & Referred Business


Successfully Closed Loans/Year

aggie1002012 & 2013

Closed on our first home his morning and the process went great. Jay and his team do an outstanding job with communication and explaining everything along the way. For a first time buyer, they do a great job with every single step in the process.
Texags Forum
Hurst got me a great deal. I bought a new home so initially I dealt with the builder’s “preferred lender.” I told my builder’s “preferred lender” what Hurst’s offer was and he stated “sounds too good to be true, you sure he has everything included in his gfe?” Well, it was true and I couldn’t be happier!
He beat our builder’s lender’s offer, was a whole lot easier and nicer to work with, answered our questions, and we closed on time. AND we got to work with Aggies all around.
We closed on our house with Jay in November. He did a great job for us as well. We had a few issues that were out of the ordinary, and he helped us get through underwriting on time and close on the original date.
TexAgs Forum

Visit our Client Feedback page to read more reviews.

Family Owned. Texas Proud.

Still A Family Business

Founded by Jay Hurst and Scott Bialek, Hurst Lending & Insurance is still managed Jay, Scott and their families. While the mortgage industry is known for high turnover rates, Hurst Lending is recognized for providing consistent, personal service to our customers. That’s why more than 70% of our mortgage and insurance business is from repeat or referred customers!

Jay Hurst & Family

Jay Hurst & Family

Scott Bialek & Family

Scott Bialek & Family

Texas Aggie Heritage

Hurst Lending is proud to be a part of the Texas A&M community.  Co-founder Jay Hurst (’00), investor Dat Nguyen (’98), senior manager of loan processing Sonja Zadel (’93) and several other employees and investors have degrees from Texas A&M.


Hurst Lending has been named twice among the 100 fastest-growing Aggie companies.

Out of a desire to serve the Texas A&M community, Hurst Lending & Insurance created a division called AgsReward, which offers an Aggie Realtor Referral program, apartment loans, and other mortgage and insurance offers particularly relevant to the Aggie family. AgsReward is a sponsor and active participant on the Real Estate Forum on

Hurst Lending is also very proud that we have twice been  recognized on the Aggie 100 list of fastest-growing Aggie-owned companies.

Refinance & Save

Almost anyone whose mortgage is more than 2 years old can save money by refinancing at current interest rates.
- Lower your interest rate
- Convert from 30 year to 15 year mortgage
- Lower your monthly payment
- Consolidate higher payment loans
- Eliminate PMI or higher rate 2nd liens
- Take cash out for home improvements
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More About Us

Not Just Lenders. Problem Solvers.

Lots of mortgage lenders can offer a good rate on a conventional loan.  We can too – in fact, our rates are some of the best around.

The difference? Hurst Lending finds ways to make the deal work when your mortgage needs are outside the “conventional loan” box.

See All Specialty Loans

We Have The Answer To:

"I can't buy a new house till my old one sells."

"I need a low down-payment jumbo loan."

"I want to buy a house NOW, but my divorce isn't final"

"Other lenders can't help me because I've been working overseas."

"They said my short sale was too recent..."

"I want to build my own home...
but I need a low down payment construction loan."

"I want to buy a rural home on a LOT of land."

"I just found out my dream vacation condo is a
non-warrantable condo project."

5 Ways to Prepare For Home Ownership While Renting

November 18th, 2015|

Hurst Lending and our AgsReward division are very involved with the Texas A&M community. As such we hear from a lot of recent graduates who have questions about when and how they should prepare to buy a house. Generally speaking, as people get older, we […]

Divorce, Mortgages, and Moving On

November 16th, 2015|

Anyone that has gone through a divorce will tell you that it was one of the most difficult times in his or her life. Having your daily routine that you’ve relied on for years pulled out from under you can be incredibly hard by itself. […]

TexAgs Q&A: Investment Property

November 10th, 2015|

In September – October 2015, we asked users of several forums on to submit their mortgage-related questions. The questions were great, so we thought we’d share a summarized list of the questions (and their answers) on our website.  We’ve grouped them into three major […]