Home / Blog / HELOC & Home Equity / HELOC vs. Cash-Out Refinance 💰 HELOC & Home Equity HELOC vs. Cash-Out Refinance: Which Is Right for You? 📅 December 5, 2025 ⏱️ 9 min read ✍️ Adam Bartling You’ve built equity in your Texas home—now how do you access it? The two most popular options…
Bartling Lending · Adam Bartling, Loan Officer, NMLS# 2213358 · sponsored by Texas Lending Pro, Inc, NMLS# 2322982 · 28111 South Firethorne Rd #703, Katy, TX 77494. Serving Texas. DSCR/investor, residential construction, and commercial loans available in Texas and 30+ states. Not a commitment to lend. All loans subject to credit approval. Rates and terms vary by lender and borrower profile. Equal Housing Lender. We are a mortgage broker and arrange loans through third-party lenders; we are not a bank or direct lender.
Texas Department of Savings and Mortgage Lending — Consumer Notice: Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department's website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out-of-pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department's website at www.sml.texas.gov.
Texas law (Article XVI, Section 50(a)(6) of the Texas Constitution) governs home equity and cash-out loans on a Texas homestead, including an 80% loan-to-value limit. The U.S. Department of Veterans Affairs does not endorse or sponsor Bartling Lending; VA loan products are subject to VA eligibility and guidelines.
