Penfed HELOC and homestead exemption requirement

[Nathan Williams]

Hello, I was looking to do a Penfed Heloc on a Houston investment property I have. But I was told a requirement from the mortgage consultant that does not make sense at all: the property must have a Texas homestead exemption in place.  But from what I'm reading its impossible for an investment property to have this exemption.  Am I missing something here, or is this mortgage consultant probably confusing the non-owner occupied loan with the owner occupied loan?

Thanks