Home Equity in Texas: HELOC, Home Equity Loan, or Neither?
Texas caps every equity loan at 80% of your home’s value. A decision framework for choosing between a HELOC, a home equity loan, a cash-out, or leaving it alone.
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Divorce and the House: How a Texas Mortgage Buyout Works
Keeping the house after a Texas divorce comes down to the mortgage. Here is how a buyout works, what an owelty lien does, and how to qualify on one income.
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Recasting a Mortgage in Texas: When It Beats Starting Over
A mortgage recast lowers your payment while keeping your rate and payoff date. Here is how recasting works in Texas and when it beats a refinance.
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When Refinancing Makes Sense in Texas: A 2026 Break-Even Guide
Refinancing in Texas can save thousands or cost more than it is worth. Here is how to calculate your break-even point, understand 50(a)(6) cash-out rules, and decide if 2026 is the right time.
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Texas 50(a)(6) Home Equity Rules: What’s Unique to Texas Borrowers
Texas is the only state where the constitution directly governs home equity borrowing. Learn the 80% LTV cap, 12-day waiting period, one-loan limit, and other rules every Texas homeowner needs to know before taking cash out.
