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Texas homestead properties are limited to 80% combined loan to fair market value for home equity financing. All loans are subject to credit approval and Credit Union of Texas lending policies. Other restrictions may apply. In Texas, there is a 12-day cooling off period on all HELOCs.

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a must-have could be removing a wall to open the area to an adjacent room, while a nice-to-have might be a pot-filler faucet.

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