For example, if a borrower seeks a 75,000 mortgage on a home worth 112,000, the LTV would be 67 percent, and allowed under Texas law.

Three Percent Rule. Texas law states that only 3 percent of a new loan amount can be used for specific closing costs. These costs include appraisal fee, broker fee, cost of a survey and title, advance til payday 103 oak grove ky underwriting. This rule protects the borrower from being charged excessive fees. However, it can be a drawback on small loans, where standard closing fees must be slashed, causing some lenders to shy away from markets where real estate values are on the low end of the spectrum.

12-Day Rule. On all Texas cash-out refinances, borrowers must wait at least 12 days before the loan can be approved by an underwriter. This allows the borrower time to make sure a refinance will best serve his needs and lenders to make safe loans.

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