Texas Proposition 2 Home Equity Loans

State Prop 2 Could Have a Big Effect on Texas Homeowners – One measure, Proposition 2, looks to make it easier for Texas homeowners to borrow against home equity. The proposition lowers fees for tapping into home equity loans and lowers financial limits on borrowers who want to refinance. The current law setting up strict regulations for borrowing against a home’s value has been on the books since 1997.

Texas' Proposition 2 Expands Home Equity Loan Market for. – On November 7, Texans approved Proposition 2 by a more than 2-1 majority. The measure amends section 50(a) of Article 16 of the Texas Constitution, making changes to the home equity loan (hel) market in the state. Notably, the amendment will allow more consumers to have access to their homes’ equity, while also allowing more types of lenders to make HELs.

We recommend a ‘yes’ vote on statewide Propositions 1, 2 and 3 – When the state legalized home-equity loans in 1997, many worried that Texans would irresponsibly tap the value in their homes. Texas instituted some of the nation’s toughest limits on how much a.

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PDF HOUSE RESEARCH ORGANIZATION – hro.house.texas.gov – Proposition 2 would amend Texas Constitution, Art. 16, sec. 50 to revise the cap on fees that may be charged when making a home equity loan, allow the refinancing of home equity loans into non-home equity loans, revise a provision governing home equity lines of credit, and amend the list of the types of approved lenders.

State-Level Policy Updates; Eyes on Fed Rate Increase – Mortgage bankers, mortgage brokers and loan originators would only need. changes and products to help them thrive in 2018. In Texas, Proposition 2 will bring major changes and fees regarding home.

Vote 'Yes' on Prop 2 – Texas Bankers Association – Vote ‘Yes’ on Prop 2. Since 1998, Since 1998, Texans have been taking out home equity loans to pay for such needed items as home improvement projects, college educations, medical needs and other life expenses. However, because of the way the law was originally written, home equity loans have not been an option for all Texans.

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November 7, 2017 Constitutional Amendment Election Ballot. – STATE OF TEXAS PROPOSITION NUMBER 2 (SJR 60) "The constitutional amendment to establish a lower amount for expenses that can be charged to a borrower and removing certain financing expense limitations for a home equity loan, establishing certain authorized lenders to make a home equity loan, changing certain options for the refinancing of.

Seven new amendments on ballot for November – The Texas Legislature is hoping to extend the coverage to more vets by changing the wording to include houses purchased at below market value. Proposition 2 aims to allow homeowners. to gain access.

Prop. 2 will make loans available, protect consumers.. Prop. 2 will make loans available, protect consumers.. home equity loans simply don’t work under the current antiquated system.

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