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Chapter 11
- § 11.1 Home Equity Loan General Considerations
- § 11.2 Home Equity Loans Closed before January 1, 2018
- § 11.3 Authorized Lenders
- § 11.4 Restriction on Loan-to-Value Ratio
- § 11.5 Restrictions on Open-End Credit
- § 11.6 Restriction on Fees
- § 11.7 Restriction against Recourse Debt
- § 11.8 Restriction against Prepayment Penalties
- § 11.9 Restriction against Additional Collateral
- § 11.10 Restriction on Number of Home Equity Loans
- § 11.11 Restriction on Frequency of Home Equity Loans
- § 11.12 Restriction on Amortization of Home Equity Loans
- § 11.13 Restriction on Interest
- § 11.14 Restriction on Basis for Acceleration
- § 11.15 Restriction against Confession of Judgment or Waiver of Citation
- § 11.16 Restriction against Assignment of Wages
- § 11.17 Restriction against Same Creditor Payoffs
- § 11.18 Required Preloan Disclosures
- § 11.19 Borrower’s Right of Rescission
- § 11.20 Requirements for Loan Documents
- § 11.21 Restriction on Place of Closing
- § 11.22 Restriction on Release or Transfer of Note
- § 11.23 Restriction on Refinancing
- § 11.24 Forfeiture Provision
- § 11.25 Cure Provisions
- § 11.26 Nonseverability Provision
- § 11.27 Truth in Lending
- § 11.31 Overview of Reverse Mortgage Loans
- § 11.32 Consensual Homestead Lien by Senior Homeowner and Spouse
- § 11.33 Nonrecourse Debt
- § 11.34 Advances Based on Equity in Homestead
- § 11.35 No Repayment Until Maturity Event Occurs; Grounds for Foreclosure
- § 11.36 Permitted Uses of Loan Funds
- § 11.37 Foreclosure under Power of Sale and by Court Order
- § 11.38 No Closing until Delivery of Twelve-Day Consumer Notice and Certification of Required Counseling
- § 11.39 Advances According to Authorized Payment Plan (Including Line-of-Credit Method)
- § 11.40 Prohibitions against Use of Credit Cards and Similar Devices, Transaction Fees, and Unilateral Amendments of Terms
- § 11.41 Future Advances; Priority of Lien
- § 11.42 Interest; Shared Appreciation
- § 11.43 Reducing or Failing to Make Advances; Forfeiture
- § 11.44 Preemptive Authority
- § 11.45 Title Insurance Considerations
- § 11.46 Truth-in-Lending Disclosure Considerations
- § 11.47 Federal Home Equity Conversion Mortgage (HECM) Loan Program
- § 11.51 Introduction to Form General Instructions
- § 11.52 Instructions for Completing Notice Concerning Extensions of Credit
- § 11.53 Instructions for Completing Home Equity Extension of Credit (Promissory Note)
- § 11.54 Instructions for Completing Deed of Trust (Home Equity Loan)
- § 11.55 Instructions for Completing Home Equity Certificate and Agreement
- § 11.56 Instructions for Completing Election Regarding Right of Rescission
- § 11.57 Instructions for Completing Notice Concerning Refinance of Existing Home Equity Loan
- § 11.58 Instructions for Completing Affidavit of Compliance
- § 11.61 Additional Resources
- 11-1 Notice Concerning Extensions of Credit
- 11-2 Home Equity Extension of Credit
- 11-3 Deed of Trust
- 11-4 Additional Clauses for Deeds of Trust (Home Equity Loan)
- 11-5 Home Equity Compliance Certificate and Agreement
- 11-6 Election Regarding Right of Rescission
- 11-7 IMPORTANT NOTICE TO BORROWERSRELATED TO YOUR REVERSE MORTGAGE
- 11-8 Notice Concerning Refinance of Existing Home Equity Loan to Non–Home Equity Loan under Section 50(f)(2), Article XVI, Texas Constitution
- 11-9 Affidavit of Compliance (Pursuant to Section 50(f)(2), Article XVI, Texas Constitution)
- 11-10 Texas Home Equity Attorney Opinion, Checklist, and Lender Certification