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No. That duty is triggered if you have a loan both subject to RESPA (which a home equity loan is) and it is a residential mortgage transaction, which is defined as a purchase money loan or new construction loan. Even a refinance of a purchase money loan is not a residential mortgage but rather a refinancing.

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Millennials in Texas are. the home from a family member. Other Texan millennials surveyed said they bought their home outright or were denied a mortgage and became a homeowner through something.