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Refinancing rates across the state have followed the same downward trend as purchase rates over the last two years. A 30-year mortgage refinance rate in Texas currently averages about 3.5% APR. Interest rates for 10- and 15-year refinances are, on average, just slightly higher than 2.80% APR on average.Truist was formerly known as SunTrust and has historically been a strong player in the doctor mortgage world, thanks to a strong physician home loan program.. Medical professionals with a job offer can close