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News & Insights

Timely insights on home equity and second liens for Texas homeowners.

Latest Articles

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Homeowners Are Tapping Into Their Equity to Manage Major Expenses

Todd Kurio

October 21, 2026

A HousingWire analysis of 500,000+ HELOC applications found homeowners ages 40-60 averaged about $320,000 in home equity, and nearly half were using it to pay down debt.

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HELOC Rates Are Rising. Is a Fixed-Rate Second Mortgage a Better Choice?

October 12, 2026

HELOC rates have risen for three straight weeks. Here's why Texas homeowners may want to compare variable-rate and fixed-rate ways to access their equity.

home equitysecond lienHELOCfixed ratemortgage ratestexas homeowners

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Low Mortgage Rates Are Becoming More Valuable

October 7, 2026

A new Barron's analysis shows how valuable an existing low-rate mortgage can be today, and why accessing equity doesn't have to mean giving it up.

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Homeowners Have Record Equity

October 1, 2026

Texas homeowners may be able to access home equity with a fixed-rate second lien while keeping their existing first mortgage in place.

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Second Lien Loans

A fixed-rate second mortgage that lets you tap your home equity while leaving your existing low-rate first mortgage untouched.

What is a Second Lien Home Equity Loan?

A second lien home equity loan - a type of second lien - lets you convert the equity you've built into a one-time lump sum, repaid at a fixed rate over a set term.