QUICK ESTIMATE
Enter your best guess of your home’s value and what you still owe. Texas lets you borrow against your home up to 80% of its value, counting every loan on the property.
Prefer a real number? Request a free snapshot below and I’ll send you a market-based value estimate for your address.
YOUR OPTIONS
A fixed second loan. Your current first mortgage and its rate stay exactly as they are.
A flexible line you draw from as needed, for projects, tuition or a safety net.
Replace your first mortgage and take cash at closing, when the numbers make sense.
WHAT TO EXPECT
I review your value and equity and walk through your options.
We compare the loan types against your goals and current mortgage.
Depending on the loan, we confirm your home’s value with an appraisal or an automated valuation.
Texas requires a waiting period of at least 12 days, and closing happens at a title company or attorney’s office.
Home Loan Specialist | 25 Years in the Mortgage Industry
Texas Family Mortgage LLC
I’m your Prairieland Village neighbor, and I’ve spent 25 years in the mortgage industry: as a processor, as a wholesale account executive and, since 2018, as a loan advisor helping Houston-area families. I’ll give you straight answers, including when tapping your equity is not the right move.
FREE EQUITY SNAPSHOT
No cost. No obligation. No pressure. Send me a few details and I’ll follow up with your snapshot.
Not with a home equity loan or line of credit. Those are separate loans, so your first mortgage stays as it is. A cash-out refinance replaces your first mortgage.
Not always. Depending on the loan, your home’s value may be confirmed with an automated valuation (AVM) instead of a full appraisal. Some loan types do require an appraisal, and I’ll tell you up front which applies to you.
Texas caps total borrowing against your home at 80% of its value, including your current mortgage. What you qualify for also depends on your credit, income and property.
No. The snapshot is free and comes with no obligation.
