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Texas Home Equity Affidavit and Agreement (First Lien) - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3185. The affidavit must be recorded together with the Security Instrument and any applicable riders.

Texas Home Equity Affidavit and Agreement (First Lien) - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3185. The affidavit must be recorded together with the Security Instrument and any applicable riders.

If you apply for a mortgage or home equity loan, a lender or broker may require your spouse's (or other person's) signature on any instrument necessary to make the property being offered as security available to satisfy the debt if you were to fail to repay.

In Texas, a deed of trust, also known as a trust deed, is the commonly used instrument for the purpose of creating mortgage liens on real estate. A mortgage is an executed contract in which the legal or equitable owner of the real property pledges the title thereto as security for performance of an obligation.

THIS SECURITY INSTRUMENT SECURES AN EXTENSION OF CREDIT THAT IS THE TYPE OF CREDIT DEFINED BY SUBSECTION (a)(6) OF SECTION 50, ARTICLE XVI OF THE TEXAS CONSTITUTION. TEXAS HOME EQUITY SECURITY INSTRUMENT. (First Lien) This Security Instrument is not intended to finance Borrower's acquisition of the Property.

This stems from Texas's longstanding protection of homesteading rights and the unique title structure that governs all private property transactions within the state. In 1997, the Texas Constitution's Section 50 gave home equity lenders the right to operate within the state on a limited basis.

In September 2003, Texas voters approved two amendments to Section 50, Article XVI, of the Texas Constitution that expand the state's home equity lending laws. One amendment (Proposition 16, S.J.R. No. 42) allows lenders to offer Texas homeowners home equity lines of credit.

In September 2003, Texas voters approved two amendments to Section 50, Article XVI, of the Texas Constitution that expand the state's home equity lending laws. One amendment (Proposition 16, S.J.R. No. 42) allows lenders to offer Texas homeowners home equity lines of credit.

This stems from Texas's longstanding protection of homesteading rights and the unique title structure that governs all private property transactions within the state. In 1997, the Texas Constitution's Section 50 gave home equity lenders the right to operate within the state on a limited basis.

THIS SECURITY INSTRUMENT SECURES AN EXTENSION OF CREDIT THAT IS THE TYPE OF CREDIT DEFINED BY SUBSECTION (a)(6) OF SECTION 50, ARTICLE XVI OF THE TEXAS CONSTITUTION. TEXAS HOME EQUITY SECURITY INSTRUMENT. (First Lien) This Security Instrument is not intended to finance Borrower's acquisition of the Property.