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"I had a home equity line of credit for $50,000." She would pay a contractor with a check from her HELOC – that’s a loan.

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But not in Texas. There, cash-outs and home-equity loans cannot total more than 80 percent of a home’s appraised value. There’s a 12-day cooling-off period after an application, during which the.

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As of June 30, 2019 (unaudited), Texas First, on a consolidated basis, reported total assets of $391.3 million, total loans.

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