Texas Homestead Exemption
Texas offers a unique application of homestead protection. The protection is very substantial but has its limitation on the ability of the homeowner to mortgage their homestead.
The Texas Homestead Exemption began as a protection for the wives and children of early settlers in the state. This was established as protection should the husband become involved in activities that could lead to the financial devastation of the family. The wives and the children would also be secure in their home in the instance of the death of the husband and would not be able to be removed because of an improper or manufactured claim of debt owed by the husband. The exemption remained virtually unchanged.
There are newer applications of the act that aid in more modern situations. The Texas homestead exemption law prevents creditors from forcing the sale to satisfy debts, except in the case of a mortgage holder, …




