Does anyone know of any reason that a ROR would be required in the state of Texas on a purchase money transaction? Are there any quirky Homestead laws that would require it? The question we are addressing is: If the borrower on a 1st or 2nd lien purchase money transaction has already moved into the property before closing (builder allowed), does that in any way require a ROR? I cannot understand why it could and TBA agreed with me, but this question has come up. I am just trying to cover all the bases.

I can't think of anything.