Home Equity Loans

Home Improvement Loan

• Terms up to 15 years (180 months)
  
• Borrow up to 85.0% CLTV (combined loan-to-value)
  
• Available in Texas only

Apply for a Home Improvement Loan
Click here to apply for a loan online, or call the Loan Department at 1-800-35BUCKS (352-8257).

Loan Rates
Click here for current Loan and Line of Credit rates.

Loan Calculator
Click here to use a handy loan calculator.

Home Equity Loan

Get the cash you need to consolidate debt, home improvements, medical bills, tuition.  Fixed rate and fixed principal and interest payments.

• Terms up to 15 years (180 months)

• Borrow up to 80.0% (TX residents) or 89.9% (all other states) CLTV (combined loan-to-value)

• Not available in all states. Call 1-800-352-8257 for information.

Apply for a Home Equity Loan
Click here to apply for a loan online, or call the Loan Department at 1-800-35BUCKS (352-8257).

Loan Rates
Click here for current Loan and Line of Credit rates.

Loan Calculator
Click here to use a handy loan calculator.

Home Equity Line of Credit (HELOC)² 

Set up a revolving home equity revolving line of credit and use as needed. 

• Variable APR based on WSJ Prime during 10-year draw period with interest only payments

• 10 or 15-year repayment period with fixed principal and interest monthly payments

• Borrow up to 80.0% (TX residents) or 89.9% (all other states) CLTV (combined loan-to-value)

• Minimum draw request $4,000 for TX residents

Apply for a Home Equity Loan
Click here to apply for a loan online, or call the Loan Department at 1-800-35BUCKS (352-8257).

Loan Rates
Click here for current Loan and Line of Credit rates.

Loan Calculator
Click here to use a handy loan calculator.

APR = Annual Percentage Rate. Rates are based on an evaluation of applicant credit.

²Annual Percentage Rate. Home Equity Line of Credit - Variable interest rate based on the Wall Street Journal Prime Rate (Index plus a margin ranging from 0% to 2% as determined by credit). As of 10/08/2008 Prime Rate is 4.50% APR. Rate subject to change without notice. Maximum combined loan to value cannot exceed 80% in Texas or 89.9% in other states. Maximum credit line cannot exceed 50% of value of property. Maximum APR not to exceed 18%. Each advance taken must be at least $4,000 (Texas only).  Discounts do not apply.

Home Improvement Loan - TX only; Maximum combined loan to value cannot exceed 85%.

Fees that may apply are appraisal, flood determination, recording fees, and title insurance.  Closing costs vary by state.  Property and flood insurance may be required. Subject to credit approval. Consult your tax advisor regarding tax-deductibility.