Texas has it's own rules.  You need to know what you can and can't do.  Call 1 800-560-5040.

--Cash Out--although tightly regulated, you can utilize the equity in your home.  You can stay on a "no cash out loan" and use money for certain things like: paying your property taxes, missing mortgage payments or establishing impound accounts which will pay taxes and insurance.

--Title Insurance in Texas is regulated by the state and very expensive.  How much do you need?  Chances are,  you have too much.  Speak to a representative and find out.

--Up to 80% of the value of your home, you can get cash.  Keep in mind, "once cash out always cash out".