LONE STAR FINANCING

TEXAS HOME
EQUITY LOANS

Unlock your home’s equity to power your long-term financial goals

Takes 2–3 minutes. No obligation.

Unlock the Value of Your Texas Home with a Home Equity Loan

A Texas home equity loan from Lone Star Financing lets you turn your home’s value into real possibilities. From renovations to major expenses, our experienced lending team makes it simple to access affordable, predictable financing.

Home Equity Loan Highlights

One-time lump-sum payout
Fixed rates with predictable payments
Borrow up to 80% of home value
Terms up to 30 years
Ideal for debt consolidation
No prepayment penalties

Fast. Secure. No commitment required.

Fast Close

Our goal is to close every loan in 21 days or less.

Low Rates

Texas Home Equity Loans with Low Rates

Service

Local lender with top-notch customer support.

A Home Equity Loan in Texas is a type of loan that allows homeowners to borrow against the equity they have built up in their property. Equity is the difference between the market value of the home and the outstanding balance on any existing mortgage. Texas homeowners can use home equity loans for major expenses, like home improvements, debt consolidation, or educational costs.

Home Equity Loans Built for Long-Term Goals

Texas home equity loans let homeowners access built-up equity with predictable, long-term financing. A single payout and fixed payments make them ideal for major expenses or debt consolidation.

Single, lump-sum payment
Fixed rates with predictable monthly payments
Borrow up to 80% of your home’s equity (Texas guidelines apply)

Our Texas Home Equity Options

Lone Star Financing specializes in Texas home equity loans, offering flexible solutions designed to meet a wide range of homeowner needs, including:

HELOCs (Home Equity Lines of Credit)
Texas Cash-Out Refinance Loans
Fixed-Rate Home Equity Loans

Trusted Lender for Home Equity Loans in Texas

Here are some key aspects of Home Equity Loans in Texas:

Fixed Loan Amount

Home Equity Loans provide a lump sum with a fixed interest rate and repayment schedule, making monthly payments predictable.

Equity Limits

Texas has a unique law that restricts borrowing to 80% of the home’s appraised value (including any existing mortgage), to help protect homeowners from over-leveraging.

“Once a Year” Rule

Texas only allows homeowners to take out one Home Equity Loan per year on the property (does not apply to investment property).

Non-recourse Loan

If you default on a home equity loan, Texas law prohibits lenders from pursuing other assets beyond the home itself.

Tax Deductibility

In some cases, interest paid on a Home Equity Loan may be tax-deductible, although this depends on how the loan funds are used and current tax laws.

Texas home equity loans are governed by consumer protection laws that help safeguard borrowers from excessive debt, making them a reliable option for homeowners with substantial equity seeking predictable financing.

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Texas Home Equity Loan Experts

For Home Equity Loans in Texas, Lone Star Financing offers competitive options by shopping multiple lenders on your behalf. We understand Texas home equity rules and guide you through a clear, streamlined process from start to finish. If you’re ready to access your equity, we’re here to help you move forward with confidence.

TEXAS HOME
EQUITY LOANS