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Home Loans for Purchasing and Refinancing
Conventional, Jumbo, FHA, VA, USDA

Stephan Akin, President of Akin Mortgage, LLC, has spent over 20 years in the mortgage industry and has been listed as one of the top mortgage loan originators in the nation. In addition, Stephan has been selected multiple times by D Magazine as one of the 'Best of Dallas' in mortgage lending. Let Stephan's experience and creativity help you find your perfect mortgage.

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Current

Texas

Mortgage Rates

FHA Loans

Purchase - 30 Year Fixed

Rate6.88%

1W Change 0.00%

APR7.63%

1W Change 0.00%

Refinance - 30 Year Fixed

Rate5.43%

1W Change 0.00%

APR6.16%

1W Change 0.00%
Last Updated: 10/12/2026

Conventional Loans

Purchase - 30 Year Fixed

Rate7.54%

1W Change 0.15%

APR7.54%

1W Change 0.15%

Refinance - 30 Year Fixed

Rate7.70%

1W Change 0.15%

APR7.70%

1W Change 0.15%
Last Updated: 10/12/2026

VA Loans

Purchase - 30 Year Fixed

Rate6.79%

1W Change 0.03%

APR7.14%

1W Change 0.03%

Refinance - 30 Year Fixed

Rate6.77%

1W Change 0.07%

APR7.12%

1W Change 0.07%
Last Updated: 10/12/2026

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Stephan Akin to receive a personalized rate for your specific situation.

  • Stephan is a great loan officer. He helped me understand the refinance process and got me a great rate! I highly recommend Stephan and his team!! Emily - July 20, 2024
  • Stephan with Akin mortgage is AMAZING. I purchased my first home and was lost and overwhelmed prior to meeting Stephan. Stephan and his team are easy to work, give you all the info for you to make a decision, and very supportive along the way. He also helped my parents purchase a home last year… Gosia Betkowski - July 28, 2023
  • Stephan did an amazing job throughout the process and made sure we were brought along every step of the way. He was incredibly responsive and made sure we had a good understand of all our available options. Grant J - April 21, 2023
  • Stephan has been my mortgage broker since 2000. He has helped me purchase houses as well as re-finance. He is knowledgeable and attentive and I will choose him as my mortgage broker as long as I am in the area! Shannon - February 10, 2023
  • Steve was helpful with every step of my journey purchasing my house in Anna. He was responsive to all the questions I had and provided great advice. I definitely would use him again in any future purchases. Also would recommend him to family and friends. Denise Rosko - September 6, 2022
  • Stephan is fantastic - responsive, creative, and pays attention to detail. Great to work with, highly recommended! B. Perret - August 26, 2022

More ❤ from Zillow

5.00 Rating ∙ 3 Reviews on Zillow

✓ VERIFIED

Highly Recommend

We have purchased two homes with the help of Stephan. He was a tremendous asset throughout the home buying process. From start to finish, Stephan was extremely communicative, attentive and informative. He was a trusted advisor as we navigated our purchase. His entire team was excellent as well - very organized and helpful.

[Read more]
Brian S 05/05/2024
Mortgage services provided by Stephan Akin - Dallas Texas
✓ VERIFIED

Excellent!

Honestly, I told Stephan this several times-wish I would have met with you 3 years ago. For anyone, who is intimidated by this process, reach out to Stephan. He will give you all the information you need with the utmost support and respect. Even if you are not ready to buy, connect and find out how to prepare so you can make your home buying dreams come true. He is super knowledgeable, efficient, and gets you the best deal! Several years ago, I met with a different loan officer that talked me out of buying a home; Stephan got me set up right to make this dream come true! I am so happy! Much thanks to Stephan and Akin Mortgage Gosia :)

[Read more]

Stephan Akin's Response:
Thank you so much! I truly enjoyed walking through the process with you, pulling back the curtain and showing you how the mortgage world worked: What moved rates up and down; How rates and fees worked together; Which program and lender was best for you; How your financial profile impactsed which program we chose; What we needed to watch out for in underwriting; Etc.. You were a joy to work with!

gosiabet2020 07/31/2023
Mortgage services provided by Stephan Akin - Dallas Texas
✓ VERIFIED

The Man with The Plan

Getting a mortgage is a process that most of us dread. Steve made the process easy and efficient. He anticipated any issues that might have arisen that would have made the process more difficult for us. His experience made the whole experience easy and straightforward for us. We could not have asked for anyone to take better care of us throughout the entire process

[Read more]
BenTittle 04/24/2019
Mortgage services provided by Stephan Akin - Dallas Texas

Popular Dallas Home Loans Which loan is right for YOU?

First Time Homebuyers Dallas

FHA Home Loans Dallas Texas

FHA home loans are popular among Dallas first-time homebuyers due to low down payment and credit requirements.

FHA Loans
Conventional Home Loans Dallas

Conventional Home Loans Dallas Texas

A conventional(fixed-rate mortgage) is a popular type of home financing in Dallas because it offers predictability for your budget.

Conventional Loans
Jumbo Mortgages Dallas

Jumbo Home Loans Dallas Texas

A jumbo home loan is a mortgage used to finance Dallas properties that are too expensive for a conventional conforming loan.

Jumbo Loans

Mortgage Calculators

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

$
$

5%

7.4%

Freddie Mac 30-year fixed average, week of 10-08-2026
Taxes, insurance and HOA
$

1%

0%

$
$

$1421

Monthly payment

Principal and interest $1421

Monthly taxes $1421

Monthly HOA $1421

Monthly insurance $1421

Monthly PMI $0

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. View the FHA loan limits in your area.

$
$

5%

7.4%

Freddie Mac 30-year fixed average, week of 10-08-2026
Taxes, insurance and HOA
$

1%

$
$

$1421

Monthly FHA payment

Principal and interest $1421

Monthly taxes $1421

Monthly HOA $1421

Monthly insurance $1421

Up-front MIP (1.75%) $0

Monthly mortgage insurance $0

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

$
$

0%

4.5%

Taxes, insurance and HOA
$

1%

$
$

$1421

Monthly VA payment

Principal and interest $1421

Monthly taxes $1421

Monthly HOA $1421

Monthly insurance $1421

Purchase price $1421

VA funding fee $1421

Amount financed $1421

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Curious about refinancing your home in Dallas? Now may be the right time to start saving money every month!

$
%
months
$
% Freddie Mac 30-year fixed average, week of 10-08-2026
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime savings $

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!

$
$
$
% Freddie Mac 30-year fixed average, week of 10-08-2026
Taxes and insurance
$
$

You can afford up to

$

Monthly payment $

Principal and interest $

Tax $

Insurance $

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

With rates historically high, see what buying down your mortgage rate could look like for your payment, whether that's a temporary or permanent buydown.

$
% Freddie Mac 30-year fixed average, week of 10-08-2026
%

Year 1 payment

$0/month

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Free Home Report

Get a property valuation, rent estimates, price history and market insights instantly!

Your Appraisal Is Changing. Budget About $65 More and a Little Extra Time. Dallas October 9, 2026

Your Appraisal Is Changing. Budget About $65 More and a Little Extra Time.

If you are buying a home or refinancing this fall, one line on your Loan Estimate may look a little different than friends who closed last year. Your appraisal fee may run about $65 higher in many markets, and the schedule can stretch a bit while the industry switches to a new report format. That…

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You May Have Two Credit Scores That Matter for Your Mortgage Dallas October 2, 2026

You May Have Two Credit Scores That Matter for Your Mortgage

For years, shopping for a home loan meant asking one question about credit: what is my score? That still matters. But after a September change at Fannie Mae and Freddie Mac, many conventional borrowers now face a second question that can change what the loan costs. On September 9, 2026, Fannie Mae and Freddie Mac…

Read Post
Two-Thirds of Builders Are Offering Incentives. Know What You Are Buying. Dallas September 25, 2026

Two-Thirds of Builders Are Offering Incentives. Know What You Are Buying.

In September, two out of three U.S. home builders said they were using sales incentives to move houses, according to the NAHB/Wells Fargo Housing Market Index. That share rose to 66% from 63% in August, the highest reading since last December. Separately, 38% of builders reported cutting prices, with the average reduction holding at 6%…

Read Post
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Stephan Akin

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Stephan Akin

PO Box 601356
Dallas, Texas 75360
(214) 987-9999
NMLS# 231112
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