15 Years Fixed Mortgage Rate APR calculation for a fixed rate purchase assumes a 720 credit score, a single-family, owner-occupied primary residence located in Georgia; a 3% down payment, $1,295 origination fee, 0.750 discount point, a loan amount of $225,000, a 45-day lock period, prepaid finance charges, and lender-paid mortgage.Home Mortgage Rates Houston 2019 Housing Forecast Looks Tough For Houston Homebuyers – On top of that, Hale expects mortgage rates to go up by half a percent next year. Last month, the median price for a single-family home in Houston was about $234,650..