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Usda Texas Home Loans Interest Rates 15 Year How 15-year fixed mortgage Rates Stack Up Against Other Mortgage Rates . Mortgage rates tend to be lower with 15-year fixed mortgages than 30-year fixed mortgage rates because lenders take into consideration that you’ll pay back the loan in a shorter amount of time.Refinancing To 15 year mortgage home loans houston Tx kbhs home loans LLC is a Delaware Limited Liability Company headquartered at 300 east royal lane, Suite 250, Irving, TX 75039 (855) 378-6625. company nmls #1542802 (www.nmlsconsumeraccess.org). contact a KBHS Home Loans, LLC representative to learn more. KBHS Home Loans, LLC offers many loan products. This is not a commitment to lend.