Home Equity & HELOC Rates

Rates shown are effective as of the date indicated and are subject to change without notice. Rate lock options may be available. Rates, terms, programs, and loan availability are subject to change without notice and may vary based on borrower qualifications. The information provided is for illustrative purposes only and is not a commitment to lend. Additional restrictions and conditions may apply.
All loans are subject to credit approval and underwriting guidelines. Mortgage loan products are available only for properties located in Texas and Oklahoma.
Interest rates and Annual Percentage Rates (APRs) may vary based on loan amount, loan purpose, occupancy, property type, loan term, credit history, loan-to-value ratio (LTV), lien position, and other underwriting factors. The rates displayed may require the payment of discount points and or origination fees. Your actual interest rate, APR, payment, and closing costs may differ.
APR reflects the cost of credit as a yearly rate and includes certain finance charges. Final APR may vary based on customary fees and closing costs that are treated as finance charges under applicable law. Review all loan assumptions and disclosures for complete APR information.
Origination fees and other closing costs may apply. Borrowers may be responsible for customary closing costs, which may include, but are not limited to, appraisal fees, title insurance, survey fees, recording fees, and other applicable charges.
Jumbo loan products may require larger down payments, additional reserves, and/or additional qualification requirements.
Adjustable-Rate Mortgage (ARM) loans feature an initial fixed interest rate for a specified period, after which the interest rate and monthly principal and interest payment may adjust periodically based on the terms of the loan and changes in a designated index. As a result, your monthly payment may increase or decrease. The interest rate adjustments, payment adjustments, index, margin, adjustment frequency, interest rate caps, and lifetime rate limits vary by loan program. Refer to the specific loan product disclosures for complete details. The APR on an ARM is based on current market conditions and assumptions at the time of calculation and may not reflect the actual interest rate or payment after the initial fixed-rate period. Payment examples shown for ARM products may not reflect future payment increases resulting from interest rate adjustments.
Under Texas law, the combined total of all loans secured by a homestead property, including a Home Equity Loan or Home Equity Line of Credit (HELOC), may not exceed 80% of the property’s fair market value at the time the loan is made. Home Equity Loans and HELOCs are available only on owner-occupied primary residences and are subject to applicable state and federal requirements.
Property insurance is required. Flood insurance may also be required if the property is located in a designated flood hazard area. Private mortgage insurance may be required for loans with a loan-to-value ratio greater than 80%.
Payment examples shown, may not include amounts for property taxes, homeowner’s insurance, flood insurance (if required), mortgage insurance (if applicable), homeowners association dues, or similar escrowed items. Actual monthly payment obligations will be higher.
Federally insured by NCUA. Equal Housing Lender. NMLS #490973.