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Amazon.com: Bob Dylan - No Direction Home: DVD Your Store DVD See All 32 Product Categories Your Account | Cart | Wish List | Help | Advanced Search | Browse Genres | Top Sellers | New & Future Releases | Television Central | Life & Learning | DVD Essentials | Blowout DVDs | Movie Showtimes | Used DVDs Search Amazon.com DVD Web Search Join Amazon Prime and ship Two-Day for free and Overnight for $3.99. Already a member? Sign in . DVD Information Explore this item buying info editorial reviews customer reviews cast and crew fun facts Listmania! ~Here's to My Cup Being Half F... : A list by Cecelia Davidson Add your List Ready to buy? Sign in to turn on 1-Click ordering. A9.com users save 1.57% on Amazon. Learn how . MORE BUYING CHOICES 54 used & new from $16.99 Available for in-store pickup now from: $24.99 Price may vary based on availability Enter your ZIP Code Have one to sell? Bob Dylan - No Direction Home (2005) Starring: Bob Dylan , Joan Baez Director: Martin Scorsese See larger image Share your own customer images List Price: $29.98 Price: $17.99 & eligible for FREE Super Saver Shipping on orders over $25. See details You Save: $11.99 (40%) Availability: Usually ships within 24 hours. Ships from and sold by Amazon.com. Want it delivered Friday, December 30? Choose One-Day Shipping at checkout. See details 54 used & new available from $16.99 Edition: Better Together Buy this DVD with No Direction Home: The Soundtrack (The Bootleg... today! Total List Price: $54.96 Buy Together Today: $37.95 Customers who bought this DVD also bought No Direction Home: The Soundtrack (The Bootleg Series Vol. 7) ~ Bob Dylan The Bob Dylan Scrapbook, 1956-1966 by Bob Dylan Chronicles, Vol. 1 by Bob Dylan Bob Dylan - Don't Look Back DVD ~ Bob Dylan Explore Similar Items : in DVD , in Music , and in Books Storyline Genres: Documentary , Music Plot Outline: This is a four hour documentary on Bob Dylan that ends in 1966. Plot Synopsis: Portrait of an artist as a young man. Roughly chronological, using archival footage intercut with recent interviews, a story takes shape of Bob Dylan's (b. 1941) coming of age from 1961 to 1966 as a singer, songwriter, performer, and star. He takes from others: singing styles, chord changes, and rare records. He keeps moving: on stage, around New York City and on tour, from Suze Rotolo to Joan Baez and on, from songs of topical witness to songs of raucous independence, from folk to rock. He drops the past. He refuses, usually with humor and charm, to be simplified, classified, categorized, or finalized: always becoming, we see a shapeshifter on a journey with no direction home. Product Details Actors: Bob Dylan , Joan Baez , Liam Clancy , John Cohen , Allen Ginsberg , See more Directors: Martin Scorsese Format: Box set, Color, Full screen, Ntsc, Academy Region: Region 1 ( U.S. and Canada only. Read more about DVD formats. ) Aspect Ratio: 1.33:1 Number of discs: 2 Studio: Paramount DVD Release Date: September 20, 2005 Average Customer Review: Based on 113 Reviews DVD Features: Available Subtitles: English Available Audio Tracks: English (Dolby Digital 5.1), English (Dolby Digital 2.0 Surround) Bob Dylan Performances: Blowin' in the Wind Girl of the North Country Man of Constant Sorrow Mr. Tambourine Man Love Minus Zero/No Limit Like a Rolling Stone One Too Many Mornings Other Features Unused promotion spot for "Positively 4th Street" "I Can't Leave Her Behind" - Work in progress in hotel room Note on DVD sets: During shipping, discs in multidisc sets occasionally become dislodged without damage. Please examine and play these discs. If you are not completely satisfied, we'll refund or replace your purchase. From IMDb: Quotes & Trivia ASIN: B000A0GP4K Amazon.com Sales Rank: #47 in DVD Theatrical Release Information US Theatrical Release Date: July 21, 2005 Production Company: Box TV, British Broadcasting Corporation (BBC), Cappa Production, Grey Water Park Productions, Public Broadcasting Service (PBS), Spitfire Pictures, WNET Channel 13 New York Budget Estimate: $2 Million Also Known As: Bob Dylan Anthology Project Filming Locations: Hibbing, Minnesota, USA| New York, USA Editorial Reviews Amazon.com It's virtually impossible to approach No Direction Home without a cluster of fixed ideas. Who doesn't have their own private Dylan? The true excellence of Martin Scorsese's achievement lies in how his documentary shakes us free of our comfortable assumptions. In the process, it plays out on several levels at once, each taking shape as an unfailingly fascinating narrative. There is, of course, the central story of an individual genius staking out his artistic identity. But along with this Bildungsroman come other threads and contexts: most notably, the role of popular culture in postwar America, art's self-reliance versus its social responsibilities, and fans' complicity with the publicity machine in sustaining myths. All of these threads reinforce each other, together weaving the film's intricate texture. Scorsese's 200-plus-minute focus on Dylan's earliest years allows for a portrayal of unprecedented depth, with multiple angles: a rich composite photo is the result. The main narrative has an epic quality: it moves from Dylan growing up in cold-war Minnesota through Greenwich Village coffeehouses and the Newport Folk Festival, climaxing in the controversial 1966 U.K. tour that crowned a period of unbridled and explosive creativity. In his transition from Robert Allen Zimmerman to Bob Dylan, we observe him concocting his impossible-to-describe, unique combination of the topical with the archaic, like an ancient oracle. Scorsese was able to access previously unseen footage from the Dylan archives, including performances, press conferences, and recording sessions. He also uses interviews with Dylan's friends, ex-friends, and fellow artists, and, intriguingly, with the notoriously reclusive Dylan himself (who looks back to provide glosses on the early years), fusing what could have turned into a tiresome series of digressions and tangents into a powerful whole as enlightening, eccentric, contradictory, and ultimately irreducible as its subject. Some of the deeply personal bits remain unrevealed, but Dylan's preternatural self-assurance acquires a slightly self-deprecating, even comic edge via some of his reflective comments. Alongside the arrogance, we see touching moments of the young artist's reverence for Woody Guthrie and Johnny Cash. Joan Baez, in a poignant confessional mood, comes off well, and the late Allen Ginsberg is so seraphically charming he almost steals the show a few times. A crucial throughline is Dylan's hunger for recognition and ability to shape perceptions so that would be singled out as not just another dime-a-dozen folk singer. It's illuminating--particularly for those familiar with the artist's latter-day aloofness on stage--to see his reactions to audience booing in the wake of his "betrayal" in this fuller context. No Direction Home also makes clear--in a way that wasn't possible in D.A. Pennebaker's iconic Don't Look Back --how Dylan's ability to manipulate his persona always, at its core, protects the urge for expression: Dylan's ultimate mandate, as an artist, is never to be pinned down. As Scorsese masterfully shows, the myth around Dylan only grows bigger the more we discover about him. --Thomas May DVD features : This two-disc set of Scorsese's full two-part documentary includes treats such as Dylan working on a song at his hotel during the UK tour as well as performing several songs as in concert or on TV. More for the Dylanologist No Direction Home: The Soundtrack Chronicles: Volume One (paperback edition) Bob Dylan Scrapbook Don't Look Back The Bob Dylan Bootleg Series The Last Waltz Product Description: The two-part film includes never-seen performance footage and interviews with artists and musicians whose lives intertwined with Dylan’s during that time. For the first time on camera, Dylan talks openly and extensively about this critical period in his career. Customers who viewed this DVD also viewed Bob Dylan World Tours 1966-1974, Through the Camera of Barry Feinstein DVD ~ Bob Dylan The Concert for Bangladesh (Limited Deluxe Edition) DVD ~ George Harrison Cream - Royal Albert Hall - London May 2-3-5-6 2005 DVD ~ Cream Prairie Wind ~ Neil Young Explore Similar Items : in DVD , in Music , and in Books Spotlight Reviews Write an online review and share your thoughts with other customers. 139 of 150 people found the following review helpful: Best Dylan documentary ever , September 13, 2005 Reviewer: David L. Minton - See all my reviews Found this at The Rogovoy Report (He is a cultural critic for WAMC Northeast Public Radio) I've seen the complete No Direction Home Martin Scorsese documentary, upcoming on American Masters on PBS in a couple of weeks (9/26-27), and it's really great. I didn't realize that it includes extensive new interview footage with Bob Dylan himself, appearing in his most straightforward, seemingly normal role EVER -- even more than on the 60 Minutes interview with Ed Bradley -- normal enough almost to take him at his word on his extensive comments on particular songs, his background, incidents in his career, etc. The film includes terrific interviews with dozens of key figures from Dylan's life and career, including Izzy Young, Harold Leventhal, Joan Baez, Paul Nelson, Bob Neuwirth, Al Kooper, Bruce Langhorne, Pete Seeger, Mark Spoelstra, Suze Rotolo , and fortunately, Allen Ginsberg and Dave Van Ronk when both of them were still around. The film also includes a tremendous amount of vintage film clips, concert footage, and still photography, a lot of which I've never seen before -- and I think I have had access to most if not all of the unofficial stuff circulating from that era. It even includes footage from postwar Hibbing, as well as early recordings (some of which of course are reflected in the companion CD "soundtrack"). It includes a lot of Newport Folk festivals and "Eat the Document" era concert and incidental footage in the best quality I've ever seen or heard any of it, and a lot that I don't think was included in the original ETD. The home DVD version also includes extensive full-song versions of concert songs that will not be screened on TV. More important than all these parts, the sum total is a fascinating "interpretation" of how Robert Allen Zimmerman became Bob Dylan up through and including summer 1966, weaved subtly by master filmmaker Scorsese simply through vintage clips, interviews, and really smart editing. The way Scorsese handles the combination of interviews and songs reminds me of The Last Waltz, but he does an even better, more subtle (and more complex) job here. I think it's as valuable a document that has ever been made about Bob Dylan -- as valuable as any book or biography, including Chronicles itself. Now, if only Scorsese spent equal time and effort on 1966-2006, but I imagine that's not likely to happen..... I've gotten some feedback already that Scorsese didn't originate this project and had nothing to do with the original footage, but of course that doesn't matter -- the point is he and/or his team organized it in a way that makes it a coherent narrative, and one with a particular point of view that has the imprimatur of Bob Dylan himself. For those who take issue with that, I suggest, as Dylan himself said all those years ago, eat the document. Was this review helpful to you? ( Report this ) 163 of 172 people found the following review helpful: Not my review, but that of a UK viewer , September 9, 2005 Reviewer: J. Morrison (Texas) - See all my reviews I was very frustrated by the lack of credible reviews, so I hunted down a review from the UK Observer newspaper: "Bob Dylan is a private man who is notoriously camera shy. The TV interview he gave around the publication of his autobiography, Chronicles, last year was his first in two decades, so there was some surprise when Martin Scorsese announced he was making the definitive TV biopic with the man's full co-operation. It seems that in his sixties, Dylan - who has spent so much of his career laying false trails and telling downright lies about himself - has decided it's time to set the record straight and get his version of his life and times on the record, both in print and on film. And Scorsese, who directed The Last Waltz, the 1977 film about Dylan's former backing group, the Band, was the obvious man to do it. Almost four hours long, No Direction Home deals only with the early part of Dylan's career, ending in 1966 and the tumultuous world tour on which he was booed by folk purists unable to accept his new-found rock'n'roll ways. It airs on BBC2 next month and is a riveting piece of film-making that draws on wonderful contemporary footage, much of it previously unseen, as well as revelatory new interviews. Scorsese and his team also turned up a treasure trove of unreleased music, which constitutes the latest volume in the 'official bootleg series' Dylan launched in 1991 to combat the pirates who have conferred on him the dubious honour of being the most bootlegged artist in history." Was this review helpful to you? ( Report this ) Customer Reviews Average Customer Review: Write an online review and share your thoughts with other customers. 1 of 3 people found the following review helpful: Great Documentary, but beware... , December 20, 2005 Reviewer: Piers Montague - See all my reviews This documentary was fantastic. I have no qualms with it. Rather, my problem lies with the extra DVD of 'performances.' I thought, when I bought it, that I'd be able to watch entire filmed performances. This is not the case - the 'performances' are simply the same clips from the documentary, not full performances. So, this is false advertising. Beware. Was this review helpful to you? ( Report this ) 1 of 1 people found the following review helpful: For the newcomer into Dylan as well as the longtime fanatics , December 19, 2005 Reviewer: MANUEL J HERNANDEZ "http://askmanny.com" (Orlando, FL) - See all my reviews I consider myself to be somewhere in between newcomers into Bob Dylan's work and his longtime fans. I first started paying close attention to his legacy of work around the turn of the century, and each step of the way I feel more and more respect for what he accomplished and his willingness to take risks and navigate against the current many times. The documentary "No Direction Home - Bob Dylan" by Martin Scorsese, only underscores further what a fantastic artist Dylan is. It follows him from his early days until the time right before his motorcycle accident in 1966, jumping between footage of interviews with the artist, friends, colleagues and people that knew him along the way, and live performances from his 1963-1966 period. Granted that the special features in the DVD set are not particularly special, the 207 minutes the 2-part documentary lasts feel like a short time, when you realize the transcendence of Dylan's work and how he broke new musical ground along the way. "No Direction Home" (a title taken from the lyrics to his classic "Like a Rolling Stone") will entertain and inform newcomers into his music and die-hard Bob Dylan fans alike, as it sheds new light on a fascinating era in our contemporary history. Was this review helpful to you? ( Report this ) 1 of 1 people found the following review helpful: Bob Dylan as we have never seen him before , December 17, 2005 Reviewer: Michael Wheeler "Stratocaster" (Las Vegas, Nevada United States) - See all my reviews Every so often something comes out that is extraordinary. Martin Scorsese took the time to put together a documentary of possibly the finest writer of the 20th Century. This shows Dylan from his growing up years in Hibbing Minnesota to his coffee house years in Greenwich Village. For any Dylan fan this documentary is a must. It goes into his rise in detail and has unreleased footage of several performances. Among the performances are This Land is Your Land, which shows Dylan paying tribute to Woody Guthrie. You also hear a rare recording of Song to Woody from his very first album. You hear a Demo of his classic, Dont Think Twice Its Alright. This recording pre-dates the version from the Freewheelin Bob Dylan. The lyrics are the same as the way Peter, Paul and Mary recorded them on their album. Masters of War is live and sounds like the version on the album. I Am A Man of Constant Sorrow is certainly worth the listen.. When the Ship Comes in and Mr Tambourine Man are also very well done. The version of Blowin in the Wind is a disappointment. The second CD is loaded with electric tunes he later did. Dylan himself is interviewed as well as contemporarites such as Joan Baez and others who knew him at the time. Dylan has always been a very private individual so we finally see the man for what he really is, and what he meant to America in the 60's I would not only recommend this to Dylan fans but to any historian who wants to know about Bob Dylan. Martin Scorsese as he did with his blues series has really put a gem together Was this review helpful to you? ( Report this ) 2 of 3 people found the following review helpful: A Portrait of the Artist as An Angry Young Man , December 14, 2005 Reviewer: Trevor Seigler (South Carolina) - See all my reviews In "No Direction Home", Martin Scorsese gives us a rare look at Bob Dylan's pivotal and volatile evolution from a Woody Guthrie copycat to arguably the single most important solo artist in rock history. And he does so with enigmatic clips of the man himself, old and withered, looking back on a time when everything changed not only for himself but for the world of pop music at large. The film, which uses Dylan's 1966 British tour as a frame of reference, looks at Dylan's beginnings in the cold wilds of Minnesota, his move to New York and rise to fame in the folk circles, and the moment that he "plugged in" and revolutionized music forever. Through it all, there is the music, which really gets a better treatment than in most "musician bios". After all, it's the music that made Dylan a landmark cultural icon, and coupled with the various images he adopted over the course of the years (here seen first as a Guthrie acolyte, then a roving folkie, and finally a stoned-out rock god), it is a fitting testament to his aura and appeal. Much like "The Beatles Anthology" some ten years ago, "No Direction Home" uses archival footage and modern interviews blended together to present a seamless look at what was, and what is. Scorsese narrows his focus to the years of 1958 to 1966, during Dylan's groundbreaking debut and transformation from the darling of the folk scene to something much more. He intersperses accounts from contemporaries like Dave Van Ronk, Joan Baez, and Allen Ginsburg with footage of Dylan's performances to make a compelling portrait of an American enigma. That being said, you won't come away from the movie feeling as if you "know" Bob Dylan. Such would be impossible, because in some ways it is his mysterious aura that keeps him in the public eye. But whatever you may feel is lacking in your knowledge of the man, you will come to understand the drive behind his music all that much more. When Dylan first appeared, of course, he was taken up as the second coming of his idol, Woody Guthrie. As he relates in the film, Dylan became disenchanted with the movement and soon began looking for ways out of what he considered a barrier on his artistic growth. What you come away with is the sense not only of how he felt about his transformation to a rock sound, but also how his peers in the folk scene (many of whom praised his early work) felt and why both sides had a right to do so. Bob Dylan's life and work will always be a source of endless fascination for those continuing generations that discover him. In "No Direction Home", Martin Scorsese has given the world a fine look into his most revolutionary period, a time that saw him rise from the Boy-King of the New York folk scene to a pop icon with a poetic license unlike the groups that came before him. And in the middle of the film, Dylan shares the great secret of what fueled all these changes: "A real artist is never satisfied with what he's doing. Once you get comfortable, that's when you die artistically" (or words to that effect). And that, in the end, is the message to take away from "No Direction Home", quite possibly the finest musical biography committed to celuloid. It's a must not just for Dylan fans, but for anyone seeking to make a living as an artist. When you have a guide like Bob Dylan to lead the way, it will always be interesting. Was this review helpful to you? ( Report this ) See all 113 customer reviews... Listmania! Mr. D in the Movies : by Demonic Floyd "Seamus" DVDs Under Under My Bed : by Digifilm-Sales ~Here's to My Cup Being Half F... : by Cecelia Davidson So You'd Like to... Become Familiar with Bob Dylan and His Music : by maxx-mccann , no qualifications Have A Fundamental Bob Dylan Collection : by Mike Vegas King , A Dylan Devotee ~Enjoy These with Snickerdoodles & a Cup of Coffee~ : by Helen Meredith , art teacher Fun Facts from IMDb.com: Nominations Click here to see more Nominations Grammy Awards: Grammy for Best Compilation Soundtrack Album for Motion Picture, Television or Other Visual Media, Best Long Form Music Video Satellite Awards: Satellite Award for Outstanding Documentary DVD Trivia Click here to see more Trivia Martin Scorsese never met Bob Dylan. Columbia/SME Records, Sony Music, and Bob Dylan's management gave Martin Scorsese access to its vaults, something Dylan has never given to any documentary filmmaker. Quotes Click here to see more Quotes Reporter : How many people who major in the same musical vineyard in which you toil, how many are protest singers? That is, people who use their music, and use the songs to protest the uh, social state in which we live today, the matter of war, the matter of crime, or whatever it might be. Bob Dylan : Um... how many? Reporter : Yes. How many? Bob Dylan : Uh, I think there's about uh, 136. [People around him giggle. The reporter doesn't laugh] Reporter : You say ABOUT 136, or you mean exactly 136? Bob Dylan : Uh, it's either 136 or 142. For more information about "Bob Dylan - No Direction Home" visit the Internet Movie Database (IMDb) Look for similar items by category Browse similar items in: DVD > Actors & Actresses > ( B ) > Baez, Joan DVD > Actors & Actresses > ( D ) > Dylan, Bob DVD > Actors & Actresses > ( G ) > Ginsberg, Allen DVD > Actors & Actresses > ( S ) > Scorsese, Martin DVD > Directors > ( S ) > Scorsese, Martin DVD > Formats > Boxed Sets > Documentary DVD > Genres > Documentary > General DVD > Genres > Music Video & Concerts > Artists > Dylan, Bob DVD > Genres > Music Video & Concerts > Classic Rock > General DVD > Genres > Musicals & Performing Arts > Documentary Suggestion Box Your comments can help make our site better for everyone. If you've found something incorrect, broken, or frustrating on this page, let us know so that we can improve it. Please note that we are unable to respond directly to suggestions made via this form. If you need help with an order, please contact Customer Service . 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home equity lines of

Home Equity Lending Gaps in Texas The Texas Economy March 2003 "Texans need and deserve the right to take out home equity lines of credit.This simple change will pump $741 million back to Texas homeowners." -- Carole Keeton Strayhorn, Texas Comptroller Home Equity Lending Gaps in Texas The number of Texans with home equity loans has more than doubled since 1997 when changes in the Texas constitution made it easier for Texans to borrow against the equity they have in their homes. [1] Yet, Texans are still not taking as many home equity loans as residents in other states. In the traditional home equity lending market—the segment that involves a lump-sum payout of equity to be repaid over a set term—Texans seem to have caught up with the rest of the nation. Indeed, the estimated 6.4 percent of Texas home-owners with traditional home equity loans in 2001 is not only up considerably from 2.5 in 1997 but may well be higher than the average for the other 49 states of 5.7 percent (Figure 1). [2] This most likely reflects the fact that one portion of the home equity loan market—the home equity line of credit market—remains unavailable to Texans. An estimated $12.7 billion in higher-cost, non-tax-deductible loans that currently exist could be supplanted if home equity lines of credit were available and Texans used these financial options at the same rate as other consumers in the country. By taking advantage of a substantially untapped resource, Texas consumers could save $741 million annually using home equity lines of credit instead of other loans. These savings could be pumped into the Texas economy through lower interest rates and additional federal income tax deductions. The gains would be realized in the Texas economy if existing loans were merely paid off by homeowners through home equity lines of credit. This need not expand homeowners’ overall debt burden. Home Equity Lending in Texas For more than 160 years, access to the home equity that owners had built up in their residences was largely untapped. As a direct result of the Panic of 1837, Texas prohibited the forced sale of homesteads for all but a very limited number of reasons. When Texas became a state, these protections became part of the state constitution and effectively barred foreclosing on a person’s residence for reasons other than non-payment of taxes, the original mortgage or a home improvement loan. These same provisions also effectively barred tapping into home equity for purposes other than home improvement. But on November 4, 1997, Texas voters approved a constitutional amendment allowing more leeway in home equity lending and for reverse mortgages. [3] These loans became available to Texans in 1998, but some technical issues limited the availability of home equity loans for homesteads larger than one acre and from reverse mortgages. Subsequent amendments addressed these legal concerns. [4] Changes in the Texas Constitution expanded the conditions under which homeowners could obtain a traditional home equity loan. These closed-end loans extend for a specified length of time and generally require repayment of interest and principal in equal monthly installments. Interest rates on these loans are ordinarily fixed for the life of the loan. Growth in Home Equity Lending in Texas Since changing the Texas constitution to allow wider use of home equity loans, Texans have steadily increased their reliance on these loans. According to American Housing Survey (AHS) data on nine Texas metropolitan areas that cover 68 percent of Texas’ owner-occupied homes, only 2.5 percent of Texas homeowners had any form of home equity loan in 1997, substantially less than the 14.5 percent for all U.S. homeowners outside of Texas that same year. By 1999, the proportion of Texas homeowners with a home equity loan had risen to 4.5 percent. While this represents nearly a doubling of home equity loan usage in just two years, this was still slightly less than the estimated 5 percent rate for home equity loan usage in the nation and substantially less than the 12.9 percent estimated by the AHS that year for both home equity loans and lines of credit. By 2001, the proportion of Texas households with home equity loans had reached 6.4 percent. At this level, the usage in Texas actually exceeded the usage rate of fixed-term closed-end loans in the U.S., indicating that Texans may have reached the saturation point with traditional home equity loans. These loans typically are written for a set amount to be repaid in equal installments over a specified time, just like a traditional mortgage. Based on a survey conducted for the Comptroller of Public Accounts of home equity lenders in Texas, from 1998 to 2000, the amount of the average home equity loan was about $36,750. In 2001 and 2002, the average home equity loan jumped to more than $47,000. [5] Closing the Gap Although Texans’ reliance on home equity loans has grown substantially since the passage of the constitutional amendment, further gains may be unlikely. Other states’ average usage of 14 percent in 2001 included both traditional home equity loans and home equity lines of credit, financial instruments not now available to Texas homeowners. The possibility that the usage rate of traditional home equity loans in Texas exceeded the usage rate of similar loans in the nation probably indicates that without the home equity line of credit option, more homeowners are opting for the fixed term loans—their only other choice. During much of the 1990s, about 8 percent of U.S. homeowners had a home equity line of credit whereas about 5 percent of homeowners had a traditional loan. [6] In 2001, AHS data indicated an estimated 8.4 percent of homeowners had a home equity line of credit (HELOC) and 5.7 percent had traditional home equity loans. This newer form of home equity lending has become the preferred choice by homeowners in other states. A HELOC is a revolving account that permits borrowing from time to time, at the account holder’s discretion, up to a set credit limit. HELOCs also typically have more flexible repayment schedules than traditional home equity loans and have a variable interest rate. Most consumers think home equity lines of credit are more convenient than traditional home equity loans. While about 40 percent of consumers cited the tax advantages of both types of home equity credit as an important consideration, 43 percent of HELOC users cited convenience of use as an advantage, compared with only 1 percent of those using the traditional home equity loans. [7] Many of the major lenders in Texas make HELOC loans to homeowners in other states. Their experiences underscore how attractive this option is to consumers. Figure 2 presents the percentage of the amount of home equity loans and lines of credit written in Georgia, Florida and California by three major Texas lenders. [8] About 88 percent of the consumers in these states choose HELOCs compared with about 12 percent choosing traditional home equity loans. Potential Economic Impact of HELOCs in Texas One approach to examining what expanded home equity lending might mean in Texas is to estimate what consumers would save if they had access to HELOCs. Three issues are crucial when estimating this impact: what savings could be expected from lower interest costs; how much would HELOCs lower federal income tax bills; and how large total borrowing might become. Underlying this assessment is the assumption that if Texans had access to HELOCs the total home equity usage in Texas would approach the U.S. average. This implies that consumer use of both home equity lines of credit and traditional loans would reach about 14 percent, 7.6 percentage points up from the 2001 level, which was 6.4 and consisted of only traditional home equity loans. The true economic value of HELOCs to consumers lies in low interest rates and as a deduction from federal income taxes. For example, recent data from February 2003 show that the average interest rate on credit card debt is 13.8 percent, the rate for new auto loans is 5.8 percent and on home equity lines of credit, 4.4 percent. [9] This implies that on a $1,000 loan, annual credit card interest charges would be $138 whereas these charges would amount to only $44 for the home equity line of credit. On $1,000 in outstanding credit card debt, conversion of this debt to a HELOC would save $94 in interest payments annually. But even this neglects the fact that HELOC interest costs are deductible from federal income taxes, whereas credit card interest charges are not deductible. Although each individual’s exact marginal tax rate paid depends on adjusted gross income, the National Bureau of Economic Research estimates that, on average, in 1999 interest deductions reduced income taxes 24.5 cents per dollar of interest paid. [10] This implies that, on average, the $44 in HELOC interest payments would generate an estimated $10.78 in federal income tax savings so that the total consumer savings per $1,000 in credit card debt replaced by HELOC would be $104.78 annually. Savings from other loans would be less dramatic. Based on current rates, car loans would cost $58 in interest charges per $1,000 borrowed, or only $14 more than HELOC. But tacking on the deductibility of HELOC raises this savings to $24.78 annually per $1,000 borrowed. The loans likely to be displaced by HELOC would be a mixture of credit card loans and other consumer loans such as car loans. According to Federal Reserve loan data, consumer debt nationwide at the end of 2002 was divided into $738.9 billion in revolving loans, of which credit card debt is a large part, and $1,017.9 billion in non-revolving loans. [11] Assuming Texas consumers have a similar debt profile, about 42 percent of Texas consumer debt would be in revolving credit and 58 percent in non-revolving. Based on these shares, the average consumer would save an estimated $58.38 in interest and tax payments per $1,000 owed by switching from other consumer credit sources to HELOC. [12] How much Texans could save depends on the volume of consumer loans displaced. Using 2001 commercial bank data to update national figures indicates that the traditional home equity loan market in the U.S. reached $352.7 billion, up from $267 billion in 1997. Considering Texas’ share of home equity loans and the average per loan value, Texans account for an estimated 8.4 percent of the U.S. market for traditional home equity loans. Based on this percentage and assuming that Texans would use both traditional and HELOC loans at the national rate, Texas consumers would exchange $12.7 billion in existing loans for HELOC. In doing so, Texas homeowners would save $741 million in interest charges and federal income taxes annually. This would be a modest level of savings. The Federal Reserve Board estimates that households spend about 8 percent of their disposable personal income servicing the debt on revolving loans. [13] The $741 million annual savings from increased use of HELOCs would be about 1.7 percent of the annual amount Texans spend on debt service for revolving loans. [14] Home Equity Delinquencies If Texas consumers relied more on home equity lines of credit and followed national trends, loan delinquencies would likely fall. Based on American Bankers Association data (Table 1), Texas averages fewer loan delinquencies for closed-end home equity loans than consumers at the national level. Loan delinquencies did rise in Texas from 1999 to 2001, but dropped off in 2002. Table 1: Texas Home Equity Delinquency Rates Compared to All Other States Home Equity Delinquency Rates and All States First Mortgage Delinquency Rates* Closed-End** Home Equity Loans(1) Home Equity Lines of Credit(1) All States - First Mortgages(2) Texas All States All States Conventional FHA VA 2002 0.99% 1.30% 0.59% 3.06% 11.55% 7.87% 2001 1.17 1.28 0.73 2.96 10.78 7.67 2000 0.88 1.20 0.75 2.50 9.10 6.80 1999 0.77 1.26 0.62 2.60 8.60 6.80 * Delinquency Rates are based on the number of Loans Past Due 30 Days or More as a Percentage of Loans Outstanding. ** "Closed End" includes home equity and second mortgages (but not home improvement). SOURCES (1)Home equity delinquency rates obtained from "Consumer Credit Delinquency Bulletin" published quarterly by American Bankers Association. (2)First mortgage delinquency rates obtained from "U.S. Census Bureau, Statistical Abstract of the United States, 2001" and Mortgage Bankers Association of America "Quarterly Delinquency Surveys." But nationwide, loan delinquencies for lines of credit are slightly more than half the rates seen for closed end home equity loans. Based on this pattern, a shift towards using home equity lines of credit from traditional home equity loans should lower overall home equity delinquency rates. Compared with first mortgages, the delinquency rates for both home equity loans and lines of credit are substantially lower. Summary The use of home equity loans in Texas has risen dramatically following constitutional changes in Texas in 1997. Use of closed-end traditional home equity loans in Texas exceeds nationwide use. The fact that home equity lines of credit are not available in Texas contributes to a higher reliance on traditional home equity loans. But the strong consumer preference expressed for HELOCs in other states and consumer preference for their ease of use may indicate that continued expansion of lower interest, tax deductible home equity financing by consumers in Texas may slow without access to these loans. If Texans were to use home equity financing only up to the national average through HELOCs, lower interest payments and lower federal taxes would save Texas consumers $741 million. Making HELOCs available to Texas consumers would require passing another constitutional amendment and legislation proposing such amendments will likely be introduced during the current legislative session. If the nature of consumer safeguards and other requirements on lending institutions in Texas making HELOC loans were significantly more restrictive than national practices, interest rates on these loans in Texas could be higher than national rates, and the economic impacts less. Data Collection While banking and finance are two of the most heavily regulated industries, this level of scrutiny does not always result in the availability of detailed information. Since 1987, banks and finance companies have reported home equity lines of credit under receivables on quarterly Call Reports and since 1991 have also separately reported their holdings of traditional closed-end home equity loans. Mutual savings banks also report these data on Federal Reserve Board Call Reports. Other segments of the financial industry report this information to varying degrees. Savings and loan associations and federal saving banks report credit line receivables on Call Reports, but they do not separate home equity loans from first mortgages. Since June 1996, finance companies have reported commercial and residential mortgages separately but do not distinguish between loans under lines of credit and traditional loans. Credit union data is available on both types of home equity debt from the Credit Union National Association. At the national level, some data track the degree to which consumers utilize the various home equity loan alternatives. Every two years the Federal Reserve Board surveys consumers’ use of credit. This data, while instructive on overall trends and the use of home equity loans and lines of credit, does not contain information about practices in particular states. Moreover, much of the state-specific data collected from financial institutions is available primarily for the location of the financial institution involved, and not where the loan was made. Where this data are available, coverage by type of financing (home equity loan versus line of credit) is limited. The Texas-specific data in this analysis is derived largely from two sources. First, the U.S. Bureau of the Census surveys about 60,000 Americans every two years about housing conditions. This survey includes questions about the usage of home equity loans, but only the most recent survey, from 2001, elicits responses on traditional home equity loans separately from home equity lines of credit. Because this survey is national, there is only partial coverage of Texas. Specifically, publicly available data from the survey identifies only responses coming from nine metropolitan areas in Texas. Although the sample does contain responses from non-metropolitan areas, these are not identified by state. The Census survey covers about 68.2 percent of the Texas population. The second source of data is internal surveys of lending activity conducted by lending institutions doing business in Texas. These institutions cover more than 10 percent of the Texas market for commercial financial institutions and financial companies. These data are used to identify the potential to expand home equity lending in Texas if lines of credit became available. Endnotes [1] In 1997 and before, availability of home equity loans in Texas was limited to home improvement loans, loans to pay outstanding taxes and loans allowing one spouse to “buy out” another in the case of divorce. Such loans were typically known as a second lien against the property. Homeowners could not secure a loan backed by the equity in their home and use the proceeds of the loan for purposes other than those specified in law. Outside of Texas, using home equity loan proceeds for whatever purpose and even the more flexible home equity line of credit (a revolving line of credit secured by home equity) have been widely available for years. [2] The tentative nature of this statement stems from what seems to be respondent confusion to the American Housing Survey (AHS). In the 2001 AHS, 14 Texas households identified themselves as having a home equity line of credit in 2001. Since these lines of credit currently cannot be offered in Texas, the most likely explanation for this is that these respondents misunderstood the “line of credit” option in the survey as describing the “draw down” feature of a home improvement loan during construction when, in fact, these instances were almost certainly traditional “closed end” loans. Placing these responses in that category indicates that 6.4 percent of the homeowners in the survey in Texas had a closed-end home equity loan as compared to only 5.7 percent in states outside of Texas. [3] House Joint Resolution 31 (HJR 31) passed by the 1997 Legislature that, upon passage, became effective January 1, 1998. [4] On November 2, 1999, Texas voters approved constitutional amendments proposed by the 1999 Legislature to address these problems, Senate Joint Resolutions 12 and 22 (SJR 12 and 22). [5] Data submitted by lenders in early 2003. For number and amount of loans in Texas, the survey included five large Texas lenders. [6] Glenn B. Canner, Thomas A. Durkin and Charles A. Luckett, “Recent Developments in Home Equity Lending,” Federal Reserve Bulletin, April 1998, p. 243. [7] Canner, Durkin and Luckett, pp. 241- 251. [8] From data submitted by lenders. Together these three lenders serve more than 10 percent of the commercial banking market in Texas. [9] These rates and those of HELOCs are from http://www.bankrate.com/ on February 18, 2003. The credit card rate is for a standard card (not gold or platinum) at a fixed annual rate. The auto loan figure refers to a 48-month loan for a new car. The HELOC rate is for a $10,000 or minimum amount. [10] http://www.nber.org/~taxsim/mrates/mrates2.html , February 20, 2003. [11] Federal Reserve Board Statistical Release, G.19, Consumer Credit, February 7, 2003. http://www.federalreserve.gov/releases/g19/current/ . [12] This is a fairly conservative assessment on two points. First it assumes that consumers would replace current borrowing in proportion to the amount borrowed of each type without consideration of the interest rates charged for each type of borrowing. A more rational approach would be to replace all of the most costly borrowing first. Secondly, new car financing rates are among the lowest cost loans available and this probably underestimates the interest costs of non-revolving loans. [13] http://www.federalreserve.gov/releases/housedebt/default.htm , February 19,2003. [14] Disposable personal income in Texas is estimated to be $535.2 billion in 2001. Carole Keeton Strayhorn Texas Comptroller of Public Accounts Window on State Government Contact Us Privacy and Security Policy

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