Texas Refinance Laws

A "no" vote opposed this amendment to make changes to the home equity borrowing system in Texas. Therefore, a no vote was a vote to keep the cap on home equity loan-related fees at 3 percent with no additional fees excluded from this cap; continue to prohibit home equity loans against non-dairy agricultural property; continue to prohibit the refinancing a home equity loan with a purchase money.

If you currently own a home in Texas and are a Veteran, on Active Duty or otherwise eligible for a VA Home Loan, you may be able to refinance your home using your Veterans Affairs Mortgage benefits to improve your interest rate and payments.

Need a cash-out refinance loan to pay off some debts, bills or do some home improvement? Mortgage Lending Texas offer the best rates for Texas cash out loans. Call (866) 772-3802 to discuss your Texas (a)(6) loan program and pay-off some high-interest loans or use the tools on this site to get started.

It's typically not enough to simply refinance an existing mortgage if one spouse is keeping the property. How the court divides this equity depends on state law.

The Texas Vet Loan & VA Guaranteed Loan Learn About the Benefits You’ve Earned. Benchmark Mortgage offers both the regular VA Guaranteed Loan program, and as an approved Texas Veteran Land Board (VLB) lender, we also offer the Texas vet loan program for Veterans with Disabilites.

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Texas mortgage rates aren’t the same for all borrowers. Your credit score and down payment affect what your mortgage rate will be. It’s challenging to research and understand your mortgage loan and refinance options in Texas.

Texas law determines what is or is not considered home equity based financing, so be sure to check the terms of your loan or line of credit before considering a potential refinance. And, it’s important to remember that if you refinance a HELOC or HELoan to a non-home equity loan, you will forfeit protections afforded to you through home.

Loan Documentation. There is a special security instrument, notes, and riders that must be used in connection with Texas Section 50(a)(6) loans and a special affidavit that must be prepared and recorded in connection with each Texas Section 50(a)(6) loan transaction.