Are Mortgage Rate Quotes Online Accurate? (Texas Edition)
- The Mortgage Nerd
- Nov 19
- 1 min read
DFW is a fast-moving market, and most online rate quotes don’t factor in Texas taxes, insurance, or the rapid rate fluctuations we see week to week.
Why Dallas Rate Quotes Are Often Wrong
Online versions assume:
Perfect credit
No HOA
Low Texas taxes
Zero discount points
Single-family home only
High down payment
But a buyer in Frisco has different tax numbers than a buyer in Garland — and that changes everything.
The only accurate rate is one tailored to your exact scenario.
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