In order to answer this question, one need to review Texas Property Code (Sec. 41.001) and Section 50(a)(6), Article XVI of Texas Constitution. These statutes govern which debts can “attach” to a homestead.
In simple terms, a lien will attach to a homestead if the lien was for:
(1) purchase money of the home;
(2) taxes on the property;
(3) work and material used in constructing improvements on the property (under specific circumstances)
(4) an owelty of partition or pursuant to a divorce proceeding;
(5) the refinance of a lien against a homestead, (including a federal tax lien in certain circumstances) resulting from the tax debt of both spouses, if the homestead is a family homestead, or from the tax debt of the owner;
(6) an extension of credit that meets the requirements of Section 50(a)(6), Article XVI, Texas Constitution; or
(7) a reverse mortgage that meets the requirements of Sections 50(k)-(p), Article XVI, Texas Constitution.