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Navigating Texas real estate finance laws and regulations can be difficult. That is why we have created numerous resources to help our clients. Our Texas Home Equity Manual is updated annually and provides lenders a detailed overview of Texas law and regulation concerning cashout loans on homestead property. Utilize our videos to train your team or quickly learn about recent updates to Texas law. Be sure to sign up for our Clients and Friends Memos to receive updates on legal and compliance issues.
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Clients and Friends Memos
Interagency Rescission of the Interagency Statement on Special Purpose Credit Programs Under the Equal Credit Opportunity Act and Regulation B
In the August 25, 2026, issue of the Federal Register (91 FR 54875 click here) the Federal Deposit Insurance Corporation, the National Credit Union Administration, the Office of the Comptroller of the Currency, the Consumer Financial Protection Bureau, the Department of Housing and Urban Development, the Department of Justice, and…
CFPB Request for Information
In the July 9, 2026, issue of the Federal Register (91 FR 42382 click here) the Consumer Financial Protection Bureau (“CFPB”) issued a request for information from mortgage industry stakeholders related to potential regulatory changes. This request for information, which was issued pursuant to a March 13, 2026, Executive Order…
Staub v. BBVA USA
On May 29, 2026, the Texas Supreme Court upheld an appellate decision, Staub v. BBVA USA, 726 S.W.3d 506 (Tex. App.—Dallas 2024). The Supreme Court’s decision, Staub v. BBVA USA, No. 24-1057, which can be found on the website of the Texas Judicial Branch, affirmed the appellate court’s holding that…
Passage of SB 4 and SB 23 and Upcoming Constitutional Amendment Vote on SJR 2 and SJR 85
June 20, 2025 To: Clients and Friends From: Daniel S. Engle Subject: Passage of SB 4 and SB 23 and Upcoming Constitutional Amendment Vote on SJR 2 and SJR 85 On May 22, 2025, the Texas House and Senate submitted a proposed Texas Constitutional Amendment, SJR 2, to…
Fannie Mae and Freddie Mac Update IPC Guidance
May 7, 2025 To: Clients and Friends From: Daniel S. Engle Subject: Fannie Mae and Freddie Mac Update Their Selling Guides Concerning Interested Party Contributions and Seller Concessions On May 7, 2025, Fannie Mae (SEL-2025-03 click here) and Freddie Mac (Bulletin 2025-6 click here) both announced updates to their…
Texas Department of Savings and Mortgage Lending Posts Webinar Concerning Proposed Changes to Procedural Rules
April 30, 2025 To: Clients and Friends From: Daniel S. Engle Subject: Texas Department of Savings and Mortgage Lending Posts Webinar Concerning Proposed Changes to Procedural Rules On April 21, 2025, the Texas Department of Savings and Mortgage Lending hosted a webinar discussing proposed changes to rules currently in…
Texas Department of Savings and Mortgage Lending Announces Review of Department Administration Rules in Title 7, Part 4, Chapter 51 of the Texas Administrative Code
March 21, 2025 To: Clients and Friends From: Daniel S. Engle Subject: Texas Department of Savings and Mortgage Lending Announces Review of Department Administration Rules in Title 7, Part 4, Chapter 51 of the Texas Administrative Code In the March 21, 2025, issue of the Texas Register (50 TexReg…
Fannie Mae and Freddie Mac Update Selling Guides to Permit Hybrid Appraisals on Texas Home Equity Loans
February 5, 2025 To: Clients and Friends From: Daniel S. Engle Subject: Fannie Mae and Freddie Mac Update Selling Guides to Permit Hybrid Appraisals on Texas Home Equity Loans On February 5, 2024, per Fannie Mae Selling Guide Announcement SEL-2025-01 (click here and see also updated Part B4-1.2-03 click…
Texas Title Insurance Guaranty Association Issues Notice to Claimants of Houston National Title, LLC
January 30, 2025 To: Clients and Friends From: Daniel S. Engle Subject: Texas Title Insurance Guaranty Association Issues Notice to Claimants of Houston National Title, LLC The Texas Title Insurance Guaranty Association (“TTIGA”) recently issued a Notice to Claimants of Houston National Title, LLC concerning claims for escrow funds.…
Court of Appeals of Texas, Houston Holds that both Spouses Taking Out Home Equity Line of Credit Did Not Change Characterization of Homestead as Sole and Separate Property of Wife. Hale v. Hale, — S.W.3d — 2025 WL 271165.
On January 23, 2025, the Court of Appeals of Texas, Houston (14th District) Houston in Hale v. Hale, — S.W.3d — 2025 WL 271165 overruled a trial court’s decision in a final decree of divorce and found that both spouses applying for a Home Equity Line of Credit did not…
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