Texas Home Equity Loans
Unlock your home’s equity for long-term financial goals - Up to 80% LTV
Unlock the Value of Your Texas Home with a Home Equity Loan
A Texas Home Equity Loan lets you convert your home’s equity into a one-time lump sum with predictable fixed monthly payments. Whether you’re renovating your home, consolidating debt, or covering major expenses, Lone Star Financing makes the process simple with competitive financing options and personalized guidance.
Texas Home Equity Loan Highlights
- One-time lump-sum funding
- Fixed interest rates and predictable monthly payments
- Borrow up to 80% of your home’s value
- Terms available up to 30 years
- Ideal for home improvements, debt consolidation, or major expenses
- No prepayment penalties*
Fast Close
Our goal is to close every loan in 21 days or less.
Low Rates
Texas Home Equity Loans with Low Rates
Service
Texas mortgage broker 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.
A Texas Home Equity Loan provides a one-time lump-sum payout with fixed monthly payments, making it an ideal solution for home improvements, debt consolidation, or other major expenses. Access your home’s equity while enjoying predictable payments and long-term financial stability.
- Single, lump-sum payment
- Fixed rates with predictable monthly payments
- Borrow up to 80% of your home’s equity (Texas guidelines apply)
Find the Right Texas Home Equity Solution
Lone Star Financing offers multiple home equity financing options to help Texas homeowners choose the solution that best fits their financial goals.
- HELOCs (Home Equity Lines of Credit) – Flexible access to your home’s equity as needed
- Texas Cash-Out Refinance – Replace your current mortgage while accessing your home’s equity
- Fixed-Rate Home Equity Loans – Receive a one-time lump sum with predictable monthly payments
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
“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
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.
Trusted by Texas Homebuyers
Real feedback from Lone Star Financing clients across Texas.
Gyzenia Tucker
★★★★★
I worked with Jen Papaelias at Lone Star Financing and I cannot rave enough about her. She went above and beyond to make sure that I was able to purchase my dream home. Lone Star Financing will be the first suggestion I give everyone when looking to purchase a home.
Luke
★★★★★
I highly recommend Chien at Lone Star Financing. Chien is very knowledgeable, patient, and efficient. She was always available when we needed to contact her and secured us a great rate.
Chuen Leik Low
★★★★★
Amazing service from Lone Star Financing. Chien was knowledgeable, responsive, and made the mortgage process effortless. We always knew what was happening and felt in great hands.
Your 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.