Your next home.
A lower payment.
Your dedicated agent helps you find the home. Up to $20,000 toward a lower mortgage rate helps you make it yours.
Checking whether you’re signed in
Texas rates, as low asOffer details
- 30-year fixed
- 6.625%
- 5/6 ARM
- 5.99%
- A value up to
- $20,000
Lower rates.
Lower monthly payments.
- 30-year fixed
- as low as
- 6.625%
- 7.125% APR
- Your rate never changes, so your principal and interest payment stays the same for 30 years.
- 5/6 ARM
- initial, as low as
- 5.99%
- 6.49% APR
- Starts lower and stays fixed for five years. After that it can change every six months and may go up.
- A value
- up to
- $20,000
- Our estimate of what the lower rate is worth to you when you buy and finance with Opendoor.
Offer preview. APRs and final terms coming at launch. The 5/6 ARM rate can increase after five years. All Opendoor mortgage lending products and information provided by Opendoor Home Loans LLC (NMLS #2810193). See offer details and important disclosures.
One team, start to finish
SearchOfferClosing
Someone on your side, from search to closing.
Your agent and your loan team both work at Opendoor. They work together from your first tour to the day you get your keys.
How buying with us works
Three steps, one team. The first one takes just your mobile number and a free Opendoor account.
Today · You are here
Tell us about your move
Enter your mobile number, create a free Opendoor account, and join the waitlist. Our team will reach out to learn where and when you want to buy.
When we launch
Find your home with an agent
Your Opendoor agent helps you explore homes, book tours, and make an offer.
Through closing
Get your loan with Opendoor
Opendoor Home Loans helps you choose a loan and guides you all the way to closing day.
Be first in line in Texas
Our team will reach out to learn about your move and share when we launch near you.
Checking whether you’re signed in
Common questions
Still curious? Join the waitlist and our team will reach out.
A new way to buy a home with a buyer agent in your corner and mortgage financing through Opendoor Home Loans. Your agent helps with the home search, tours, and offers, while your lending team helps you understand your financing options.
We’re starting in Texas. Join the Texas waitlist even if you’re planning a move there. A member of our team will reach out to learn more about your homebuying plans and share availability.
We’re previewing rates as low as 6.625% on a 30-year fixed mortgage or 5.99% on a 5/6 ARM when you buy with Opendoor and finance with Opendoor Home Loans. APRs, points, fees, and eligibility are still being finalized. These preview rates are not a personalized quote or rate lock.
A 5/6 adjustable-rate mortgage has an initial interest rate that stays fixed for five years. After that, it can change every six months, and your rate and payment can increase. Your lending team will explain the index, margin, adjustment caps, APR, and full loan terms before you decide.
Up to $20,000 refers to the estimated value of the promotional mortgage rate. The value will depend on the loan, the comparison rate, and the timeframe used to measure the benefit. The lending team will explain the calculation and assumptions in the final offer terms.
Select Join the waitlist, then create a free Opendoor account or sign in. We’ll use the mobile number on your account, so there’s nothing else to fill in.
You’ll see a confirmation here that you’re on the Texas waitlist. A member of our team will reach out to learn more about where you’d like to buy, your timeline, and what you’re looking for. Joining is free and does not commit you to buying a home or applying for a loan.
Program availability and eligibility are subject to change. Joining the waitlist is not a mortgage application or a commitment to lend. Our team will share full loan details before you decide.
About these preview rates
* The Opendoor Incentive Rate is the lowest advertised 5/6 ARM rate for homes with special incentives. Its described rate and APR are home specific and assume a 5/6 adjustable-rate mortgage with a rate fixed for the first 5 years of the term, then it can change. These estimates also assume a 20% down payment and a credit score of 780. The rate-lock period is 30 days. The payment shown is the initial payment. Actual rates will vary by home and borrower.
These estimates are not personalized loan offers or offers to enter into an interest rate or discount point agreement. Any such agreement must be in writing and signed by both the borrower and the lender.
The incentive offer is subject to credit approval and may not be combined with other existing promotions. It requires financing through the seller’s affiliate, Opendoor Home Loans, but using Opendoor Home Loans is not required to purchase a home. Buyer qualification may include, but is not limited to, a minimum down payment of 20%, a minimum credit score of 780, first-time home buyer and owner occupancy requirements.
Final qualification and terms depend on a completed application, underwriting, property details, market conditions, and any changes in investor guidelines or programs.
Limited funds are available. Rates may change or be unavailable at loan commitment, lock-in, or closing if funds are exhausted. Products are not available in all markets.
The advertised APR reflects discount points paid by Opendoor Home Loans and/or Opendoor. The actual APR may be higher and can vary depending on lender fees charged.
Market rates are affected by market trends and other factors. Actual conditions can differ materially from forward-looking statements. No statement guarantees present or future market conditions or market values.
Estimated monthly payments show principal and interest only and are rounded to the nearest dollar. They exclude property taxes, homeowners insurance, mortgage insurance, HOA dues, flood insurance, utilities, and maintenance. Your total monthly housing costs will be higher. Monthly estimates and home prices exclude closing costs and other fees paid by the buyer. Home prices are subject to change without notice.
APOR is the Average Prime Offer Rate for a 5/6 adjustable-rate mortgage. It is a market benchmark, not a loan offer.
All mortgage services are provided by Opendoor Home Loans LLC, an Equal Housing Lender. Verify our license.