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Home Equity Loan Prepayment Penalty Rules by State (2026): Federal Caps, State Bans and Texas’s Constitutional Rule

Home Equity Loan Prepayment Penalty Rules by State (2026): Federal Caps, State Bans and Texas’s Constitutional Rule

Federal law caps home equity loan prepayment penalties at 3 years. Some states ban them entirely. Texas prohibits them constitutionally. Full 2026 breakdown.

Jul 24, 2026 · 7 min

Mortgage Refinancing BlogPlain-English Refi Guides

Independent mortgage refinancing education for U.S. homeowners. We explain the math; you make the call.

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