TX HJR75

Proposes amending Article XVI, Section 50 of the Texas Constitution to allow the legislature to create statutory exceptions to home equity loan closing location requirements

Currently, Texas law requires home equity loans to be closed only at the office of a lender, an attorney at law, or a title company

The amendment would add the phrase "except as otherwise provided by statute" to the closing location requirement, giving the legislature authority to permit alternative closing locations

Updates the required borrower notice to inform homeowners they may "qualify for an exception provided by law" to the office-only closing requirement

Scheduled for voter approval at an election on November 4, 2025