Texas Proposition 2 Home Equity Loans

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proposing amendments to the Texas constitution affecting home. proposition 2: (1) lowers the cap on home equity loan related fees from 3.

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proposing amendments to the Texas Constitution affecting home equity lending. The Resolution, known as Texas Proposition 2, was placed on the ballot on November 7, 2017, and approved overwhelmingly by voters. Notably, Proposition 2: (1) lowers the cap on home equity loan related fees from 3 percent to 2 percent but excludes certain

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Prop 2 is an amendment to the Texas Constitution that would modernize the way homeowners access home equity loans and home equity lines of credit.

Explanatory Statements for the November 7, 2017 Constitutional Amendment Election. Please visit the Texas Legislature Online home page to obtain further information.. Proposition Number 1 (HJR 21) HJR 21 proposes a constitutional amendment that would permit the Texas legislature to expand the circumstances under which a partially disabled veteran or their spouse may qualify for an exemption.

Proposition 2 amendment to Texas Constitution makes equity loans more expensive. By Paul Premack. Published 5:05 pm CDT, Monday, October 30, 2017

STATE OF TEXAS PROPOSITION NUMBER 2 (SJR 60). establishing certain authorized lenders to make a home equity loan, changing certain options for the refinancing of home equity loans, changing the threshold for an advance of a home equity line of credit, and allowing home equity loans on.

Proposition 2 would amend Article 16, Section 50(a)(6) of the Texas Constitution that governs home equity loans – money borrowed against the value of a homestead by its owner using the property as.

home equity loan at a time, although a homeowner may have liens from other sources, such as a home improvement loan or a tax lien. Some of the changes made by the 2003 constitutional amendments allow homeowners who currently have one type of home equity loan to refinance it with another type of home equity loan to comply with the limitation in.

Texas Proposition 2, the Home Equity Loan Amendment, was on the ballot in Texas as a legislatively referred constitutional amendment on November 7, 2017.

Proposition 2 is a welcome development that should enhance home equity lending in Texas by eliminating certain restrictions and making notable clarifications to the complex Texas constitutional.