Texas Department of Savings and Mortgage Lending

Agency News and Important Updates

Revised Texas Mortgage Company Disclosure

Effective January 7, 2018, the Texas Mortgage Company Disclosure found in 7 TAC §80.200(a) has been amended. This is the disclosure form that a residential mortgage loan originator sponsored by a Texas Mortgage Company must give to a residential mortgage loan applicant with the initial application for a residential mortgage loan. The revised disclosure may be viewed...

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Date: 2018-03-29 17:48:55
Website: http://www.sml.texas.gov

Related topics : best home equity loan companies in texas / home mortgage loan company / mortgage loan home equity / equity loan home improvement / home loan mortgage disclosure act

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Lending, Home Equity: Second (Vacation) Homes ...

Can we make a cash-out refinance on an applicant's second (vacation) home in Texas? Is that a home equity loan? What are the rules for a home improvement loan on a second (vacation) home?


Yes, you can make a cash-out refinance on an applicant's second home or rental property, and more importantly, it is not a home equity loan. Additionally, you can make a secured loan to improve an...

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Date: 2018-03-30 07:42:43
Website: https://www.ibat.org

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Texas Home Equity Loan Guidelines - Amplify Credit Union

Texas Home Equity Loan Guidelines

Published August 31, 2016 | Updated February 22, 2018

One of the advantages of living in Texas is its strong regulatory system protecting consumers.

One way that manifests itself is through more laws governing home equity lending.

That conservative slant stems from the state's longstanding protection of homesteading rights and its unique title structure governing...

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Website: https://www.goamplify.com

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Cash Out Refinance in Texas - HomeStart Capital LLC

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In the state of Texas once you have completed a cash-out or home equity loan on your homestead or primary residence the maximum loan-to-value (LTV) allowed thereafter is 80%. This restrictive ruling is actually part of the Texas Constitution (see section 50 (a) (6) article XVI). County records identify the fact that the home had previously had home equity lien filed against it. This...

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Website: http://www.homestartcapital.com

Home Equity Loans and Line of Credit | Lending | BB&T Bank

A fixed-rate loan with predictable monthly payments to finance one-time expenses

Competitive fixed interest rate

Appraisal fee paid by BB&T

Flexible repayment terms

Get details about BB&T Home Equity Loans - important

Looking for an alternative?

If you already have a mortgage, borrowing against your home's equity means that you'll have two mortgages to pay. And depending on your situation, that...

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Website: https://www.bbt.com

How Home Equity Loans Work in Texas | ExpertLaw

A home equity loan is a special form of a home mortgage, that allows a homeowner to borrow against home equity, the difference between the home's fair market value and the total balance of all debts secured by the home.

For example, if your home is worth $200,000 and you owe $120,000 on your home mortgage and have no other liens on your home, you have $80,000 in equity. The loan allows you to...

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Website: https://www.expertlaw.com

Texas Loan Star | Home Loans Built For You

One of the biggest purchases that you will make during your lifetime is the purchase of a home. At Texas Loan Star, Inc. we are committed to making the process as easy as possible by providing you with a quick approval, a smooth loan process, and personal attention every step of the way.


Save Money! Lower your payments with an easy refinance loan from Texas Loan Star, Inc. Current...

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Website: http://texasloanstar.com

Wells Fargo Routing Number Texas - Routing Number for ...



Wells Fargo Routing Number is a nine-digit code which plays primary role in the bank that can be founded on the back side of the check and it is very different from the account number.� The routing number alternatively called as transit number or ABA numbers or SWIFT codes which are used by customers to transfer the money or maintain the account. Wells Fargo Routing tx � (i.e...

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Date: 2018-03-06 16:53:08
Website: http://www.wellsfargoroutingnumbertexas.com

Comerica Bank - Today's Mortgage Rates

Go to Bank Website

Comerica Bank (NYSE: CMA) was founded in 1849 as the Detroit Savings Bank in Detroit, Michigan. It was one of the few banks in the Detroit area to make it through the Great Depression, and the company grew over the years, both organically and through mergers and acquisitions. The Detroit Savings Bank become the Detroit Bank in 1936, then the Detroit Bank & Trust in the 1950s,...

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Website: ratezip.com

Mortgage - Home Equity - Frequently Asked Questions ...

How can I start my application?

Get started through any of these convenient ways:

Connect with your home mortgage consultant by phone or contact us online.

Request a personal consultation to have your home mortgage consultant contact you.

Does Wells Fargo require a property inspection?

No, but if you're buying a home, it's highly recommended that you obtain a property inspection and make your...

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Website: https://www.benefits-mortgage.com

Office of Disability Concerns - Housing - Loan and Assistance

415 E. Independence, Tulsa 74106

(918) 582-0021


What is Habitat for Humanity?

Habitat for Humanity is a comprehensive housing program created in 1976 by Millard Fuller in Americus, Georgia.  There are presently over 2,000 Habitats worldwide with twenty affiliates in Oklahoma.  The Central Oklahoma Habitat for Humanity in Oklahoma City is the largest Habitat in the state in...

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Date: 2017-12-19 22:01:46
Website: https://www.ok.gov

Best Mortgage Lenders of 2018 | Top Companies Reviewed

Best Mortgage Lenders of 2018



Buying a home is one of the most expensive purchases you're bound to make in your life. That's why it's so important to get the right mortgage before you sign on the dotted line.

A few differences in interest rates or other terms can equate to tens of thousands of dollars either spent or saved. But with so many options available on the market,...

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Website: https://aaacreditguide.com

Texas Cash Out Laws and Texas Home Equity Laws

Many large lenders don't offer cash out refi's in Texas. Texas-Cash-Out.com and our parent Hurst Lending are Texas lenders. We specialize in Texas cash out refinance loans and we understand the relevant Texas laws.

Don't let an out of state lender tell you what you can or can't do. Trust a local specialist!

Get a Cash Out Loan

Texas Constitution - Section 50(a)(6)

For your convenience we attached...

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Website: https://texas-cash-out.com

2018 Guide to Texas Home Solar Incentives, Rebates, and ...

Sales Tax Exemptions

Your Solar Strategy in Texas

Figuring out the best way to go solar in Texas can be a little daunting. From loans and leases to power-purchase agreements, there are a lot of options out there. To help you pick the one that might be best, we've created the handy decision tool below.

We'll ask you a few simple questions about you and your home. Once you're done, we'll recommend...

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Website: https://solarpowerrocks.com

Texas Mortgage Rates and Texas Home Loans | Silverstone ...

How would you rate your credit?


I agree with the terms and conditions

Expertise and Know How

Nationally Ranked Top 100 Best Trained Mortgage Broker

Consistently recognized for our knowledge and our attention to detail.

Professionally Trained and Licensed Loan Officers

Unlike the national banks, we hire only trained experienced loan officers with a minimum of 5 years of mortgage industry...

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Website: https://www.silverstone.mortgage

FAQ - PPDocs

Loans secured by 25 acres or more.


Home Equity Lines of Credit (HELOCS);

Reverse Mortgages; or

Chattel Loans, including those secured by dwellings not attached to real property;

Loans made by lenders who are not a "creditor" as defined in Reg Z, which make five or fewer mortgages in one year.

Can we provide a revised Loan Estimate even if the changed circumstance does not result in...

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Website: http://www.ppdocs.com

Introducing HomeSafe® - FAR

Texas Notice

* If the borrower does not meet loan obligations such as taxes and insurance, then the loan will need to be repaid. This material is not from HUD or FHA and has not been approved by HUD or any government agency. UFA's HomeSafe® reverse mortgage is a proprietary product of Finance of America Reverse, LLC, and is not affiliated with the Home Equity Conversion Mortgage (HECM)...

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Website: https://www.farwholesale.com

Michigan Reverse Mortgage Lenders | What Is A Reverse ...

Estimated Mortage Balance


By submitting this information, you agree that 1st Nations Reverse Mortgage is authorized to contact you at the phone number or email you've provided. If you do not wish to be contacted, please do not submit your information. There is no cost for this consultation, and you are under no obligation whatsoever to do business with 1st Nations. Your information is...

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Website: http://www.firstloans.net

Capital One Auto Finance Customer Service Phone Number ...

If Any Phone Number is not working Please Inform Us By Comment Or Email, We Will Update immediately, That Will Help To Others.

Capital One Auto Finance Customer Service Phone Number

Customer Service Support Information

Capital One Auto Finance, 7933 Preston Road, Plano, TX 75024-2302, USA

Service Phone No:

Contact Capital One Auto Finance Contact Details

Questions about your existing auto loan...

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Website: https://allcustomerservicephonenumbers.blogspot.c ...

10 biggest mortgage mistakes - Interest

Not getting a fixed-rate loan

Fixed-rate loans are no longer priced at record lows, so you might be tempted to grab an adjustable-rate mortgage.

But unless you're planning to move within five to seven years, you'll be better off sticking with a fixed-rate loan.

Mortgages remain historically cheap, so if you take out a fixed-rate loan now, you may never have to worry about refinancing. An...

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Website: http://www.interest.com

Foreclosure and Eviction – Debtor Foreclosure FAQ


Q. What is a foreclosure?

A. When a secured creditor, usually a bank, attempts to recover monies owed to them based on a promissory note by selling the collateral. In more simple terms you have probably borrowed money from a bank or mortgage company in order to purchase or refinance a home. In exchange for lending you the money, you made a promise that if you could not pay them back they could...

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Date: 2011-05-19 23:43:03
Website: http://www.debtworkout.com

Does Homeowners Insurance Cover Foundation ... - Ram Jack

Does Homeowners Insurance Cover Foundation Problems?

Apr 26, 2014


When you bought homeowner's insurance, chances are you were worried about a destructive storm or a freak accident. But what about more insidious damage - like the kind your foundation is subject to?

If you have foundation issues, your homeowner's insurance might not be as helpful as you think. Some homeowner's insurance...

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Website: http://www.ramjack.com