I live in Texas, I want to convert my home equity loan to a fixed Mortgage with escrow.?

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I heard there was a rule in Texas, Once a Home Equity always a Home Equity.

8 Comments
  1. Reply
    BankerManOutWest
    April 30, 2011 at 12:33 am

    If you want to switch your variable home equity loan/line to a fixed rate product, simply go to your bank and tell them that. You will likely get a higher interest rate as variable rates are at very low levels right now. Do you have a first mortg on the house? If so, then you may need to refi both loans into one. If the only lein is the home equity, then whatever bank gave it to you can change it for you. There is no law in Texas like the one you stated. Hope that helps

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    April 30, 2011 at 1:27 am

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