my home is paid for. its a singe family home four bedroom 1.5 bath brick with 0.5 acres. can i borrow against my home

Yes in Texas you can borrow up to 80% of the value. However due to recent changes in the laws many lenders will require a minimum loan amount

Absolutely. Of course you will have to meet all of the qualifying terms of the lender. Find a local loan professional who has a good reputation for client service who can help you find the best rate for your cash out refinance. All the best, Scott.

Sure, borrowing against the equity in your home is possible... Of course you still need to credit qualify too.

Much more info needed, but in general, yes.. lenders will lend to folks with a free - n - clear home.. you and your home must meet minimum eligibility requirements, but yes.. there are loans available for you.. I suggest you contact a LOCAL mortgage broker and apply with them. Once they see your complete loan profile, they will be better equipped to advise you properly. Also, by applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with many lenders with each one offering a different type of lending program. This is unlike the local bank which typically only has a few lending programs. The more lenders, the more lending options, and the more likely your scenario will be accepted.. Plus, the broker is experienced in seeking out the best loan terms for your particular scenario, and he has lower overhead which typically results in lower rates and fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS# 226347