» Texas law requires that this change be placed on the ballot

  • Texas law requires that this change be placed on the ballot

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    replica handbags china Reverse mortgages may become more popular in Texas and reverse mortgages will soon allow line of credit paymentsThose seeking a reverse mortgage or home equity loan in Texas were long disappointed, as Texas was one of the last states to allow such lending. Mortgage laws dating to the nineteenth century prohibited such lending, as the state’s founders feared that lenders would take advantage of people and intentionally seize their homes through foreclosure. The new laws did allow for traditional term loans and lines of credit for home equity loans, and also allowed for lump sum payouts for reverse mortgages. Reverse mortgages have been quite popular in recent years, particularly in areas such as California, where high real estate prices have left many homeowners short of cash but «equity rich.» These people have been able to fund their retirements using the equity in their homes, purchasing vacation homes, recreational vehicles, or taking long desired vacations. Nationally, nearly 90% of those who take out a reverse mortgage do so by utilizing a line of credit. This allows them to use the money when and how they see fit, and no interest accrues unless the money is actually used. It’s a very convenient product, and it costs the homeowner much less in interest than a lump sum payment. The Texas Legislature has recently approved an amendment to the state constitution that will allow homeowners who take Replica Designer Handbags out a reverse mortgage to accept payment in the form of a line of credit. Texas law requires that this change be placed on the ballot for a referendum, and it is expected to be voted upon this fall. Those who work in the lending industry expect the vote to pass, and say that it will lead to a tremendous increase in the number of reverse mortgages offered in the state. To read about cracked ribs, view the Cracked Ribs website replica handbags china.

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