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All UHCU branches will be closed on Monday, May 25, in observance of Memorial Day. Branches will be open for normal business hours on Tuesday, May 26.

Home Equity Loans

Use the equity in your home to pay for the things you need.

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UHCU Home Equity Loans

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. Better yet, current 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 help finance major expenses – such as debt consolidation, 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.

Traditional Home Equity Loan
Home Equity Line of Credit (HELOC)
First Lien Cash Out (Texas Cash Out)
Home Improvement Loan

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 wedding

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

 Get Started 

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.

 Get Started 

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.

 Get Started 

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.

 Get Started 

1Consult a tax advisor regarding deductibility of interest.
2Texas Cash Out loan documents are Section 50(a)(6).
Membership/Regular Savings account required.
United Heritage Lending Policies apply.
Applicable Texas Home Lending Rules apply.
NMLS #630601
Low Rate Austin Real Estate Loans

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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Home Equity Loans is rated 3.6667 out of 5 by 3.
Rated 1 out of 5 by from Impossible to speak with an actual person After repeated attempts, I give up! I have called several times and "all of our loan specialists" are always unavailable. Leaving a message for someone to call me back at their convenience, not mine, is poor customer service. However, I did leave messages hoping that the call back would come at a time when I was able to answer. Guess what? No one has ever returned my calls. I'll move on to another lender.
Date published: 2015-03-19
Rated 5 out of 5 by from Couldn't be easier! Paperwork was ready and waiting for us. The lending specialist talked us through everything very clearly and we were out the door in only a few minutes. Very happy with rates and service.
Date published: 2014-06-05
Rated 5 out of 5 by from Great staff, incredibly fast and organized! The online process is super easy. They spell everything out for you perfectly. They respond quickly and really do a great job of keeping the process moving forward. The paperwork can be done via DocuSign or in person, super convenient. I will never go anywhere else!
Date published: 2015-01-15
  • 2015-05-22T08:36CST
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