Home Equity Loan - $0 in upfront costs!¹

Home Equity loans are a great way to use the value of your home (home equity) to provide you with cash you need for home repairs, debt consolidation, college expenses, and more. 

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Family playing in the front yard

You worked hard to earn the equity in your home, it's time to use it!

If approved for a home equity loan you'll get a lump sum amount, pay zero closing costs and enjoy a fixed rate for the life of the loan with set monthly payments.

Meet with an Expert Start Your Application

Home Equity Loans as low as

6.217%

APR²

Home Equity Loan Details

  • No closing costs
  • Maximum of 80% LTV (loan-to-value)
  • Min/Max loan amount $10,000 - $250,000
  • Fixed-rate for the life of the loan
  • No application fee or origination fee
  • No appraisal costs

 

Variety of Options: debt consolidation, home projects, tuition costs, cash-out, and more. Consult with our team to address your individual needs.

 

Fixed Rates: secure the best rate for you so you can make affordable payments.

 

Flexible Terms: pay back your equity in a timeframe that works for you.

 

Personalized Service and Expertise: you get to work with our team of experts to help you get the right home equity option for your needs.

Meet with an Expert Start Your Application

How to use your Home's Equity

Home Improvements

Installing a pool, new kitchen, or master bathroom? Using your home's equity is a great way to fund your home projects.

Fixed-Rate Debt Consolidation

Bring all your loan payments into one monthly payment with a fixed rate.

Pay for School

Whether you are in school, or planning for your kids. Your home's equity can help pay for it.

Cashing Out

With home values on the rise, you likely have equity you can turn into cash.

What do I need to complete my application?

  • How much you want to borrow
  • The value tax-assessed of your property ( you can find this information online through your county’s appraisal district)
  • Your mortgage balance
  • How long you want to finance your loan (term)
  • Contact information and personal information (name, address, phone number, and email) for all owners listed on the property

 

Start Your Application

What to expect during the home equity loan process

Apply

Complete the home equity loan application online. You will be contacted by a loan officer and notified regarding your eligibility.

Step One

Gather Your Documents

Collect and provide some information so your loan can be processed. This typically includes: Proof of Insurance, Current Mortgage Statement(s), and Proof of Income.

Step One

Finalize your loan

If approved, your loan officer will provide a closing disclosure for your review. You will need to close your loan at a title company, an attorney's office, or a Texas Trust Branch. Following this, your funds will be disbursed after three days.

Step One
Start Your Application

Other Home Lending Options

Refinance your mortgage loan

Lower your payment, pay it off faster, or lower your interest rate with a Texas Trust Home Refinance Loan.

Learn More

Fast Funding Loans

A Texas Trust Personal Loan offers low interest and funding in as little as 24 hours.

Learn More

Personal Banking Options

Check out all personal banking options for you, such as high-yield checking accounts, low-rate credit cards, and investment services.

Learn More

Texas License Number: 901364

Federal Mortgage Loan Originator NMLS #402846

1: Enjoy no fees on 1st and 2nd lien loans financed by Texas Trust Credit Union.

2: APR = Annual Percentage Rate. Rates, terms and conditions are subject to change anytime without notice.

All loans are subject to credit approval.

Must be primary residence. 

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USA Patriot Act requires IDENTITY VERIFICATION for all new accounts. Pursuant to Texas Credit Union Department Rule 91.315, documents relating to Texas Trust's finances and management are available by calling (972) 263-5171. All member service issues please call (972) 263-5171.

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