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First Time Homebuyer Course

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FHA/HUD
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HUD: Buying a Home Tips

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Home Equity Lending in Texas

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Frequently Asked Questions

Home Equity Information can also be found in Article 16 Section 50 of the Texas Constitution or on the Texas Finance Commission website.

How many home equity loans can I have?

A consumer can only have one home equity loan at a time.

How much can I borrow?

Texans can borrow up to 80% of the value of their home.

Can I refinance my home equity, and when?

Yes. A home equity can be refinanced; however, it can be refinanced no more than once every 12 months and no earlier than one year after the closing of the original loan or a refinance. The terms of a home equity loan may be modified at any time.

Are there limitations on the draws on a HELOC?

The minimum amount that a consumer may draw at any one time is $4,000.
Draws are not allowed whenever the outstanding principal balance of the loan exceeds 50% of the value of the home (i.e., the value of the home at the time the loan was made).
If the outstanding principal balance of a HELOC ever exceeds 50% of the value of the home (i.e., the value of the home at the time the loan was made), the consumer may pay the balance down to 50% or less of the value of the home and then make draws.
Draws are not permitted through credit card, debit card, or preprinted solicitation checks.

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