I have a 175K fixed home equity in Texas with 19 years remaining on 20 year loan, how can I lowerhow can I lower the monthly payment? Are there any 30 year home equity loans being made? I have a 6.75 interest rate. I assume that because it is a home equity loan and in Texas that I can not refinance except as another home equity? August 29 2009 - Austin0YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.