Lone Star Financing

Texas Home
Equity Loans

Unlock your home’s equity for long-term financial goals - Up to 80% LTV

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Texas Home Equity Loans from Lone Star Financing with competitive rates and flexible financing options for homeowners

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

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Fast. Secure. No Obligation.

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.

Home equity loan Texas homeowners use to access cash from their property

Home Equity Loans 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:

Home equity lending in Texas for homeowners seeking competitive financing options

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.

Trusted by Texas Homebuyers

Real feedback from Lone Star Financing clients across Texas.

4.6 out of 5

★★★★★

Based on 54 Google reviews

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Gyzenia Tucker

Google

★★★★★

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.

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Luke

Google

★★★★★

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.

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Chuen Leik Low

Google

★★★★★

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.

Lone Star Financing - Texas Mortgage Lender

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.