Texas Home Equity Rates
Low Rate Guarantee for Texas Home Loans

Are you searching for a Texas Mortgage Lender online that offers fixed home loans and 2nd mortgages? The state of Texas has laws in place that prohibit Texas homeowners from doing a "cash out" loan above 90% combined loan to value. This means if you don't have enough equity to remain below 90% that you do not have the option to take out a home equity loan or refinance your existing mortgage to get cash back. Lawmakers tout this as a conservative measure that will significantly decrease loan defaults, foreclosures and irresponsible borrowing. Critics respond that Texas consumers are missing out on lending opportunities that help people buy home, build wealth and better their lives.

Rates on Texas Home Equity Loans Starting at 3.5%

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Nationwide offers home equity loans and second mortgages to qualified borrowers. Texas residents can take out subordinate loans and get cash back as long as they keep at least 10% of their home equity untouched.

Texas home loan application volumes have been increasing annually, but the percentage of applicants that are getting denied by non-Texas mortgage lenders has been increasing at a more rapid pace. In most cases, borrowers are seeking fixed interest rate Texas home equity loans to lower their monthly payments and/or convert any existing adjustable rate loans.

Recent reports have revealed the home construction permits were up significantly this year. More and more Texas homeowners are financing home repairs as well.

Check Current Texas Mortgage Rates Online and get State Specific Pricing from a
Licensed Texas Lender

Home Mortgage Loan Volumes Rise Across the Lone Star State:

Texas Continues to show areas with real estate appreciation.

Fixed Rate Home Equity Loans

100% VA Home Loans for Retired Vets

Consolidate 1st and 2nd Mortgages Together for one low rate payment

Tax Deductible Texas Mortgage Loan

No PMI & No Mortgage Insurance

TX First Time Homeowners OK

Many Texan cities like Austin, Dallas, San Antonio, and Houston continue to see stable home values.
Attention Gulf State Homeowners
For a limited time, Texas homeowners
Get a Free Home Valuation
with every Loan Approval from
Nationwide Mortgage Loans

* Offer available for residents living in Texas, Louisiana, and Mississippi who apply online for a refinance, second mortgage or home equity loan or line of credit. There is no obligation to get a loan, but submitting a loan request form is required for free home valuation offer.

Get a Free Texas Loan Quote

Don't wait any longer, Call now and speak with a seasoned loan professional live. We offer a helpful consultation that includes a free loan quotes with no obligation.

Relevant Texas Facts:
Lone Star Homeowners

Average home value for owner occupied primary residence, 2000: $82,500
Homeownership rate, 2000: 63.8%
Average household income, 1999: $39,927
2004 estimate: 22,490,022
% of people living in same home for 5+ years, 2000: 49.6%
Average commute time from home to work (minutes), 2000: 25.4

Click Here for More Texas Loan Info

* Texas home loan terms are state and federal fee restrictions. Laws may vary per state.
Data source census.gov


Resource Tools

Loan Comparison Calculator
This calculator will help you to compare the total mortgage interest charges of 4 types of loans.

Second Mortgage Guide

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Client Testimonials

I refinanced my variable rate bills and lowered my payments. The loan officers at Nationwide helped me set up a credit line that has come in handy! Thanks!
– F. Deal, Dallas TX


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