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Answers to Texas Cash Out Refinance Questions. Frequently Asked Questions Related to Cash-Outs. I want to refinance my loan but the loan officer says the personal loan bank of baroda he can lend is 80. Why is that. In the state of Texas once you have completed a cash-out or home equity loan on your homestead or primary residence the maximum loan-to-value (LTV) allowed thereafter is 80. This restrictive ruling is actually part of the Texas Constitution (see section 50 (a) (6) article XVI).
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