News & Updates

The 5 Texas HELOC Rules Nobody Warns You About (And How to Work With Them)

Candy Williams Published on: 09/07/2026

The 80% cap, the 12-day wait, and 3 more Texas HELOC rules nobody warns you about. A San Antonio broker explains each rule and how to work with it.

Texas HELOC rulesCan I get a HELOC in TexasHELOC San AntonioHELOC on investment property TexasTexas HELOC 12 day waiting periodOnce a cash-out always a cash-out Texas

Understanding Mortgage Letters of Explanation

Candy Williams

Published on: 07/23/2026

Lender asked for a letter of explanation? It's not a red flag. Texas loan officer Candy Williams breaks down what it means and what to write.

Homebuying BasicsThe Mortgage ProcessCommon Questions (FAQs)

This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.

Corporate | NMLS ID NMLS# 1660690 | Corporate Address : 3100 W Ray Road #201 Office #209 Chandler, AZ 85226

https://nexamortgage.com

This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval.

Other restrictions and limitations may apply.

Corporate | NMLS ID NMLS#1660690 | Corporate Address : 5559 S Sossaman Rd #101, Mesa, AZ 85212 https://nexamortgage.com