Best HELOC Lenders in Texas (June 2026)

HELOCs for Texas homeowners

Texas has unique home equity rules — only one HELOC at a time is permitted on a homestead, and CLTV is capped at 80%. Our network knows the rules.

A home equity line of credit (HELOC) lets you borrow against the equity in your Texas home as a revolving line of credit. You draw what you need, when you need it, and only pay interest on the balance you carry. Lenders in our network serve homeowners throughout Texas, from Austin to surrounding metros and smaller communities.

What Texas lenders typically look for

• • At least 15–25% equity in your home (CLTV ≤ 75–85%)
• • Credit score generally 620+ (some programs lower with strong equity)
• • Verifiable income or assets
• • Property in acceptable condition with insurance in force

Common uses

• • Home renovations and additions
• • Debt consolidation at a lower rate
• • Business capital or real estate investment
• • Tuition, medical, or other major expenses
• • Emergency reserve