Texas courts have held that a homestead property cannot be mortgaged for a home equity loan unless a specific waiting period has passed from the date the property is designated as homestead. This waiting period is:

Explanation

Texas Constitution Article XVI § 50 requires that a home equity loan cannot be closed until at least 12 days after the owner applies for the loan (12-day waiting period) and 1 year after any prior home equity loan. There is no 30-day rule for homestead designation, but 12 days is a key protection.