12-Day Rule. On all Texas cash-out refinances, borrowers must wait at least 12 days before the loan can be approved by an underwriter. This allows the borrower time to 1 hour money loans sure a refinance will best serve his needs and lenders to make safe loans.

Home Equity Loan Rules. In Texas, second mortgages and home equity lines of credit are treated as cash-out refinances. This means a second mortgage can only bring the combined loan-to-value ratio (amounts of first and second mortgages) to 80 percent. Borrowers are also only allowed to secure only one home equity loan per year and only one junior mortgage can be in place at one time.

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This is some of what there talking about when they say banks are still nervous about real estate loans. Military Special Home loans. Unique Home Loan Rates as low as. APR Effective 7132018 VA 30 Year Fixed. VA Purchase 0 Down. FHA 30 Year Fixed.

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