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Home Equity Loans. A home equity loan is a form of credit where your home is used as collateral to borrow money. It’s typically used to pay for major expenses (education, medical bills, and home repairs). However, if you cannot pay back the loan, the lender could foreclose on your home. There are two types of home equity loans: Lump sum.

That’s an improvement from the 9.07 percent loan delinquency rate in the state a year earlier. And home loan performance in Texas is much better than the 10.3 percent delinquency that was reported at.

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helped 1,838 Texas families purchase a home in 2015. These low-to-moderate income families were able to qualify for a low fixed interest rate mortgage loan, a grant for down payment assistance and/or.