Texas Home Equity Loans Bad Credit Solutions Revealed

Eligibility and Credit Requirements

While traditional lenders may shy away from borrowers with bad credit, there are specialized lenders who recognize the value of your home equity as a mitigating factor. In Texas, lenders typically look for a minimum credit score of around 620, but some may consider lower scores if there’s sufficient equity in the home and a stable income¹. This flexibility allows homeowners with credit challenges to still access the equity they've built up.