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This is true for both cash-out refinances and home equity loans. Texas homeowners must also have at least 20 equity in their homes to be eligible for a cash-out refinance or home equity loan. For more information about Texas-specific restrictions on cash-out refinances and home equity loans, visit the Office of the Consumer Credit Commissioner's website. The Risks of Cash-Out Refinances.
Cash-out refinancing can provide homeowners with access to quick cash when they rhb easy personal loan 2018 it. And with continued low mortgage interest rates, many homeowners may be wondering if a cash-out refinance is a good deal for them. While there are some circumstances in which a cash-out refinance makes sense, there are significant risks that each homeowner needs to consider when deciding whether to dip in to the equity in their home.