09/24/2026
Texas Has Some of the Country's Strictest Home Equity Laws. Here's What to Know Before You Borrow
When it comes to tapping into your home equity here in Texas, there are some unique rules every homeowner should be aware of. Texas sets some of the strictest standards in the country: home equity loans and HELOCs are limited to 80% of your property’s value, you’ll encounter a mandatory 12-day waiting period, only one such loan per year is allowed, and lender fees can’t exceed 2%. These loans are also non-recourse, which means your personal assets are protected if things don’t go as planned. Having spent years navigating foreclosure and real estate law, I’ve seen firsthand how these protections help safeguard homeowners while encouraging careful borrowing. It’s another way Texas approaches real estate with both caution and opportunity in mind—something I always prioritize when guiding clients across North Texas.
https://www.housing-trends.com/agent-news/mario-alejandro-valverde/1879697-Texas-Has-Some-of-the-Country%27s-Strictest-Home-Equity-Laws.-