Texas Lending Laws

Mortgage Company Vs Bank As some banks retreat from the home-loan market, specialized mortgage companies are stepping in to fill the void. In the first half of the year, lenders that aren’t banks made almost a quarter of.

As of June 30, 2019, WTSB had $429 million in assets, $205 million in loans, and $376 million in deposits. The transaction strengthens South Plains’ position as a leading Texas community bank.

Texas Title Loan Laws. Title loans are short-term, secured loans that are based on the value of a vehicle the consumer uses as collateral. Title loans are usually small-dollar loans designed to help consumers catch up on car payments, rent, utilities, groceries, and credit card bills.

Should Texas loosen lending laws that shielded the state from foreclosures? Banks and realtors want to make more money on home equity loans. Lydia DePillis Aug. 5, 2017 Updated: Aug. 7, 2017 1:19 p.m.

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Texas, Utah – all told Spectrum News they have not revoked any medical licenses for student loan defaults in the past two years. Multiple other states, including California, Montana, and Virginia,

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The 35-year-old has been looking for a straight answer from the Department of Education as to whether her work for a nonprofit educating the public on immigration law and immigrants’ rights makes her.

Special aspects of Home Equity Loans in Texas. The Texas legislature has passed laws that are designed to protect homeowners and their families, and the state did not even allow home equity loans until 1997. Since that time, state laws have been amended to allow for home equity loans, but the laws include strong protections for consumers.

These laws can apply to any car loan situation in the state or any other instance where a creditor gives a debtor a loan and takes an interest in the property. Right to Redeem If a debtor has her car or property repossessed in Texas, the law allows her to redeem the property.

But note that Texas has unique laws when it comes to cash-out loans and home equity. In Texas, the maximum loan-to-value (LTV) you can get for your primary residence is 80 percent, adds Ziev.

A Brief History of Home Equity Loans in Texas. Texas has a singular relationship with the home equity lending industry. The state banned home equity loans as late as 1997 and continues to subject lenders to far stricter constraints than most other states.