Paying off Mechanics Liens in Texas is this considered Texas cashout

usually not because it is an improvement on the home, the reason for the lien as well as documentation for them should keep you from having a texas cash out or a6 loan as its referred to from the section of Texas constitution.... home improvement loans and spousal buyout post divorce are excluded from tx co loans

More of often than not that is correct. It also helps if the Mechanic's Lien is dated for the same date as the original Mortgage Lien.

Usually the Mechanics Liens are for construction liens or for builders, and these do not fall under the Texas A6 Cashout rules in Texas and would be treated as any other refinance. Usually there is a bump to pricing of a Texas Cash-out- - so you should be able to get a little better rate.

Usually a Mechanics Lien is paying off contractor or builder - usually in new construction or remodelling - -and in this case no- it would not fall under the Texas A6 Cashout rules in Texas. You can usually expect a small bump in rate or pricing if it would be a Texas Cashout - so in this case you should be able to expect a little better rate.