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Ladonia, TX Conforming Mortgage Rates and Refinance Rates – Ladonia, TX adjustable conforming mortgages are available in terms of 1 year, 3 years, 5 years, 7 years and 10 years. Conforming mortgage rates in Ladonia, Texas are rates on mortgages that meet the criteria set out by the Federal Housing Finance Agency. Home loans made for Ladonia, TX homes and condos that "conform" to the standards set out by the Federal Housing Finance Agency (FHFA) can be purchased by Freddie Mac, Fannie Mae and the federal housing administration (fha).