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HELOC magic

HOME EQUITY Line of credit

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Discover MAGIC inside your own home and bring your dreams to life!

Equity you can access Again and Again with NO Origination Fee** NO Closing Costs**?
Whether you’re ready to tackle some major home improvements, consolidate debt, pay for college expenses, or plan your dream vacation, a Home Equity Line of Credit (HELOC) may be right for you. With a HELOC, you’ll receive a set credit limit. You only pay back the amount of money that you borrow, plus interest..
  • Credit lines up to 80% of home’s value  
  • Ability to draw funds you need, when you need them        
  • Flexible usage of funds
  • Low variable interest rate*
  • 10-year draw period with interest only payments***


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Click here to view our HELOC Rates 

* The home equity line of credit annual percentage rate (APR) is variable and is based on the highest prime rate published each month-end in the wall street journal money rates table (the "index"), +/- a margin based on credit worthiness. Maximum APR is 18%. 

 **This offer is for Texas HELOCs with a minimum initial advance of $20,000 at origination. If appraisal is required, borrower must pay actual cost of appraisal prior to loan funding. If initial advance is met, the HELOC minimum is $25,000. If initial advance is not met the HELOC minimum is $35,000 and refer to loan estimate and closing disclosures for closing costs. 

 ***This loan has a draw period of 10 years with interest payments only, followed by a 10-year repayment period. The minimum draw amount is $4,000 per draw. 

 Interest on your HELOC may be tax-deductible – please consult your tax advisor regarding the deductibility of interest. Property insurance, including flood insurance as needed, is required to be maintained through the life of the loan. Loans subject to credit approval. All loan rates based on creditworthiness and may vary. Must become a member prior to or concurrent with loan funding. Consult the CFPB's home equity line of credit booklet as well as the early HELOC disclosure for more information. Limited time offer, subject to change without notice. NMLS #768470.

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