Notice: We are not currently offering home equity products in Texas due to complex state regulations.View states where we are licensed.

Texas Home Equity Loans & HELOCs

Competitive rates and compliant lending for the Lone Star State

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Licensed in Texas • Compliant with Texas A16 regulations • Fast approval

Current Texas Home Equity Rates

Updated daily rates compliant with Texas regulations

HELOC Rates in Texas

Variable Rate Range:6.75% - 18%
Prime Rate + Margin:8.50% + 0.25% - 2.50%
Credit Score 740+:Starting at 6.75%
Maximum LTV:80% (Texas Law)
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Home Equity Loan Rates in Texas

Fixed Rate Range:7.25% - 12.99%
15-Year Term:7.25% - 12.49%
20-Year Term:7.50% - 12.99%
Maximum LTV:80% (Texas Law)
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Rates shown are for qualified Texas borrowers and subject to change. All loans comply with Texas Article XVI Section 50 requirements.

Texas Home Equity Regulations

Understanding Texas Article XVI Section 50

Texas has some of the most consumer-friendly home equity laws in the nation, established by constitutional amendment in 1997. These regulations provide strong protections for homeowners.

Key Protections

  • •80% maximum loan-to-value ratio
  • •12-day cooling-off period
  • •No prepayment penalties
  • •Fee limitations (3% cap)
  • •Required disclosures
  • •Forfeiture for violations

Timeline Requirements

Application to Approval:
Standard underwriting process
Final Disclosure:
Must receive 12 days before closing
Cooling-off Period:
12 consecutive days (no closing)
Closing:
After cooling-off period expires
Right of Rescission:
3 days after closing (federal law)

Fee Limitations in Texas

Loans Under $50,000

3%
Maximum total fees
Includes all lender fees, appraisal, title insurance, recording fees, and other closing costs.

Loans $50,000 and Above

$2,500 + 2%
of amount over $50,000
For example: $100,000 loan = $2,500 + (2% × $50,000) = $3,500 maximum fees.

Texas Home Equity Market

Market insights for Texas homeowners

$297K
Median Home Value
Texas statewide average
$89K
Average Available Equity
For homeowners with 20%+ equity
63%
Homeownership Rate
Texas vs 65% national average
8.9%
Annual Appreciation
5-year average home value growth

Why Texas Homeowners Choose Home Equity

Popular Uses in Texas:

  • •Home improvements and additions
  • •Debt consolidation
  • •Education expenses
  • •Investment properties
  • •Emergency expenses

Texas Advantages:

  • •Strong consumer protection laws
  • •No prepayment penalties
  • •Fee limitations protect borrowers
  • •Growing economy and job market
  • •No state income tax

Serving Texas Cities

Licensed home equity lenders serving homeowners throughout the Lone Star State

Houston
San Antonio
Dallas
Austin
Fort Worth
El Paso
Arlington
Corpus Christi
Plano
Lubbock
Laredo
Irving
Garland
Frisco
McKinney
Grand Prairie
Amarillo
Brownsville
Pasadena
Mesquite
Killeen
McAllen
Carrollton
Midland

And many more cities throughout Texas

Texas Home Equity FAQ

Common questions about home equity loans and HELOCs in Texas

Ready to Access Your Texas Home Equity?

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