Tap into Your Home's Equity with a Texas HELOC
🏡 Texas Home Equity Line of Credit

On-Demand Access to
Your Home Equity

Keep your low-interest rate mortgage and tap into
$25K to $400K of new money

🏠 Primary Residence
🏖️ Second Home
🏢 Investment Property
Get Pre-Qualified Now

Get a pre-qualified offer instantly

How to Unlock Your Home's Value

If you're looking for funds, you might be facing these common challenges:

  • Need a revolving credit line for ongoing projects, not a lump sum
  • Considering a cash-out refinance but want to keep your current mortgage rate
  • Facing unexpected expenses that need flexible funding
  • Want to consolidate high-interest debt with a lower, tax-deductible interest rate
  • Hesitant to take on a fixed loan when you don't know the full amount you'll need

Your home's value has grown. A Texas HELOC lets you use that equity as a financial tool for your future.

The Smart Way to Use Your Home's Equity

A Texas Home Equity Line of Credit (HELOC) is a flexible solution, allowing you to borrow from your home's equity on a revolving basis, similar to a credit card with a much lower interest rate.

💳

Ultimate Flexibility

Draw funds as you need them and only pay interest on the amount you use

📉

Lower Rates

Typically lower than credit cards or personal loans, with potential tax benefits

✅

Consolidate Debt

Combine high-interest debts into one manageable payment

🛠️

Finance Major Projects

Ideal for home renovations, education costs, or other significant expenses

Trusted by Texas Homeowners

7,000+
Homeowners Helped
$1B+
In HELOCs Originated
20+
Years of Mortgage Lending Experience
"I was able to get a HELOC to renovate my kitchen and pay off my credit cards. The process was fast, and the interest rate was a fraction of what I was paying before. Highly recommend!"
- Michael D., Austin

How It Works

Accessing your home's equity has never been easier.

1

Apply Online

Complete our 1-minute application with no paperwork required.

2

Get Pre-Qualified

Receive instant terms for your loan. This won't impact your credit score.

3

Get Approved

Closing in as little as 3-12 days.*

* Investment properties and second homes fund in as few as 3 business days. Primary residences min of 12 days.

Simple & Favorable HELOC Terms

Our HELOC programs are designed with the flexibility you need.

  • 640 Minimum Credit Score: A qualifying credit history opens the door to your home's equity.
  • Up to 80% LTV: You can access up to 80% of your home's value (CLTV).
  • Loan Amounts: From $25,000 up to $400,000 for your projects.
  • Flexible DTI: Consolidate high-interest debt to improve your Debt-to-Income ratio.
  • Interest-Only Payments: Enjoy an initial 5-year interest-only draw period.
  • Fast Closing: Close on a primary home in under 12 days, or as quickly as 1 day for 2nd homes and investment properties.
  • Eligibility: Available for Wage Earner and Self-employed borrowers on Primary Residences, 2nd Homes, and Investment Properties (SFR, 2-4 Units, PUDs, Condos).

Ready to Access Your Home's Equity?

See how much you can borrow with our quick, free online pre-qualification.

🎯 Getting Started is Simple
1. Fill out our quick application
2. Get instant terms and a pre-qualified amount
3. Work with a dedicated Texas HELOC specialist
4. Get the funds you need for your goals
Start your financial journey today
Get Instant Terms
✓ Quick 3-minute application
✓ Free with no obligations
✓ Get instant results