TEXAS HOME EQUITY LINE OF CREDIT
Need Cash Without Refinancing
Your Current Mortgage?
Keep your mortgage while using your home's equity to remodel your home, add a pool, pay off high-interest debt, cover college expenses, handle unexpected costs,
or fund your next big project.
Getting started is quick and easy with our secure online application.
What Can You Use a HELOC For?
Use the equity you've built in your home to remodel, pay off high-interest debt, cover unexpected expenses,
or reach your next financial goal.
Home Improvements
Remodel your kitchen, update your bathroom, or complete the home projects you've been putting off.
Pay Off Debt
Pay off high-interest credit cards, auto loans, or personal loans and simplify your finances.
Unexpected Expenses
Cover unexpected home repairs, medical expenses, or other major life events with greater financial flexibility.
Backyard Dreams
Add a pool, outdoor kitchen, patio, workshop, or create the backyard you've always imagined.
Education Expenses
Help pay for college, trade school, or continuing education for yourself or your family.
Major Purchases
Purchase an RV, boat, or finance other major purchases while keeping your current mortgage.
Why Choose a
HELOC?
Keep your current mortgage while accessing the equity you've built in your home.
Keep Your Current Mortgage
Access your home's equity without refinancing your existing first mortgage or changing your current mortgage rate.
Borrow Only What You Need
Access funds as you need them instead of taking one lump sum, giving you greater flexibility and control over how you use your equity.
Use It Again When You Need It
As you repay your balance, you can continue to access available funds for future needs, subject to your HELOC terms.
MEET lisa Keese
Helping Texas Homeowners Since 1996
Whether you're remodeling your home, paying off debt, or planning your next chapter, my goal is to help you understand your options so you can make the best decision for you and your family.
No confusing mortgage jargon. No high-pressure sales. Just straightforward guidance every step of the way.
For more than 30 years, I've helped Texas families navigate one of life's biggest financial decisions with honesty, experience, and personal service. When you're ready, I'm here to help.
Learn how a Texas HELOC works before you apply.
Ready to get started?
Still have questions?
Here are answers to the questions I hear most often from Texas homeowners.
Before You
Apply
Here are answers to some of the most common questions I hear from Texas homeowners considering a HELOC..
How does a HELOC work specifically in Texas?
A Texas HELOC allows eligible homeowners to access the equity in their primary residence while keeping their current mortgage. In general, you may be able to borrow up to 80% of your home's appraised value, minus minus the balance of your current mortgage, subject to qualification. You can access funds as you need them or you can take one lump sum, and Texas law requires a 12-day waiting period before closing.
How long does the process take?
Most Texas HELOCs close within 13 to 30 days, depending on the appraisal process and required documentation. Some loans may not require an appraisal, which can help shorten the timeline. Texas law requires a minimum 12-day waiting period before closing.
Are there any restrictions on how I use the funds?
No, there are no restrictions. Once your HELOC is funded, you can use the funds for almost any purpose that fits your financial goals. Whether you're remodeling your home, paying off debt, education expenses, covering unexpected costs, or making a major purchase, the choice is yours.
How much can I borrow?
The amount you may qualify for depends on your home's appraised value, your current mortgage balance, your credit profile, and other qualifying factors. In Texas, eligible homeowners may be able to borrow up to 80% of their home's appraised value, minus the balance of their current mortgage, subject to qualification.
Estimate Your Available Home Equity
Enter your estimated home value and current mortgage balance to get a quick estimate.
Ready To Access Your
Equity?
Secure 256-bit Encrypted Application
Lisa Keese - NEXA Lending LLC
Lisa Keese NMLS #206895
📞 (817)233-9226
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