Which of the following is NOT a foreclosable lien on a Texas homestead?

In Texas, a homestead is protected from certain types of liens, specifically those referred to as foreclosable liens. These generally include obligations that can lead to the seizure or forced sale of the homestead property to satisfy debt.

Homeowner Association fees, property taxes, and mortgages are all examples of foreclosable liens. Homeowner Association fees can lead to foreclosure because the association has a legal claim against the property for unpaid dues. Property taxes are a priority lien, and if unpaid, can result in foreclosure by the taxing authority. Similarly, a mortgage is a loan secured by the property itself, and if the homeowner fails to make payments, the lender can initiate foreclosure proceedings.

In contrast, a vehicle loan is not directly associated with the homestead property itself. While failing to repay a vehicle loan can lead to repossession of the vehicle, it does not provide any lien against the homestead property. Therefore, a vehicle loan is not a foreclosable lien on a Texas homestead, making it the correct answer in this context. This distinction helps clarify the specific protections offered to homeowners under Texas homestead laws.