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Home Equity Loans

(5 reviews)
 
By taking advantage of your home’s equity you can have access to the cash you need now with a low rate and customized, flexible term loan. United Heritage makes getting a home equity loan in the greater Austin or Tyler area simple with no application fee and low closing costs. United Heritage members can enjoy the benefits of a UHCU home equity loan anywhere in Texas. Use your home equity loan to free up funds to consolidate debt or to help finance major expenses – such as tuition payments, home renovations or repairs. If you’re looking for a home equity loan, United Heritage will help find a solution perfect for you.

Home Equity Loans as low as 3.78% APR

Apply today and enjoy the benefits of a UHCU Home Equity Loan with rates as low as 3.78% APR.

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Traditional Home Equity Loan

This low-cost loan option allows you to borrow against your home's equity to get cash for whatever you need. Traditional Home Equity Loans offer flexible terms and low fixed rates.

UHCU Home Equity Loan Benefits

  • Low fixed rate
  • Consistent monthly payment
  • Various repayment terms available
  • Potential tax savings1
  • No pre-payment penalties
  • Use for one-time expenses like home remodel, debt consolidation or even a wedding 


Use your home’s equity to pay for that upcoming, major expense.

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Home Equity Line of Credit (HELOC)

A Home Equity Line of Credit (HELOC) is a variable-rate loan set up as a revolving line of credit. You have access to available loan funds based on an established loan limit using your home as collateral. Funds can be used whenever you want, for whatever you want.

UHCU Home Equity Line of Credit Benefits

  • Low variable rate
  • Lower initial monthly payments
  • Easy access to funds
  • Potential tax savings1
  • No pre-payment penalties
  • Use for recurring expenses like education costs or investments


Access the money you need, when you need it.

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First Lien Cash Out (Texas Cash Out)

If you’re looking to refinance your home and want access to extra cash in the process, a First Lien Cash Out may be the best loan option for you. This type of loan enables you to refinance your existing mortgage balance while simultaneously cashing out a portion of the equity in your home. And better yet, it’s all wrapped up in one easy monthly payment2.

UHCU First Lien Cash Out Benefits

  • Low fixed rate
  • Consistent monthly payment
  • Various repayment terms available
  • Potential tax savings1
  • No pre-payment penalties
  • Use for extra cash while refinancing your current mortgage


Refinance your mortgage and cash out today.

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Home Improvement Loan

A UHCU Home Improvement loan uses your home’s equity to provide a low-cost option if you want to finance a big home improvement project or remodel. UHCU Home Improvement loans offer flexible terms and low fixed rates.

UHCU Home Improvement Loan Benefits

  • Low fixed rate
  • Consistent monthly payment
  • Potential tax savings1
  • No pre-payment penalties
  • Use for major home repairs or home renovations 


Ready to remodel your home? Apply now.

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Low-Rate Mortgage Loans

Buying a house? We're here to make financing your home as simple as possible. Check out the benefits of a UHCU Mortgage Loan and get pre-qualified today!

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Have Questions?

To speak to a UHCU loan specialist, call:
 

Loan Calculators

To estimate monthly payments or determine how much you can afford, use one of our helpful loan calculators.

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APR = Annual Percentage Rate. Membership/Regular Savings account required. Limited time offer. United Heritage policies, terms, conditions and restrictions apply. Existing United Heritage loans not eligible. Rates and fees subject to change without notice. APR is subject to underwriting approval and may increase depending on borrower qualification, applicable finance charges or repayment term. Cash out is a 50(a)(6) first lien only. Closing costs apply. 1Consult a tax advisor regarding deductibility of interest. 2Texas Cash Out loan documents are Section 50(a)(6). Applicable Texas Home Lending Rules apply. Equal Housing Opportunity. NMLS #630601
 
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