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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 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.

Home Equity Loans as low as 2.75% APR

Apply today and enjoy the benefits of a UHCU home equity loan with rates as low as 2.75% APR for terms up to 5 years.

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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 wedding

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

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August 23, 2016

Title: Excellent Experience
Name: F. McGhee
Review: I was extremely pleased with my Home Equity Specialist, processor and loan closing officer. They were professional and I received the proceeds in the quickest time I've ever experienced. I will certainly stay with UHCU for a long time not only for loans but banking as well.

May 11, 2016

Title: Great experience
Name: Jenny Maphies
Review: We refinanced our house recently and I'm so glad we went with with united heritage. They were extremely responsive and did a good job following up with what our next steps needed to be. We are so thrilled and will definitely be repeat customers when the time comes.

March 19, 2015

Title: Impossible to speak with an actual person
Name: DisappointedCustomer
Review: 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.

January 15, 2015

Title: Great staff, incredibly fast and organized!
Name: Scott S
Review: 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!

June 5, 2014

Title: Couldn't be easier!
Name: JackBauer24
Review: 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.

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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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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Other Calculators

APR = Annual Percentage Rate
Membership/Regular Savings account required
Limited time offer
United Heritage policies, terms, conditions and restrictions apply
Offers not eligible on existing United Heritage loans
Rates and fees subject to change without notice
APR is subject to underwriting approval and may increase depending on borrower qualification and applicable finance charges
Closing costs apply
Principal and interest payment on a $10,000 loan, 5-year term at 2.75% APR is $178.58. Principal and interest payment on a $10,000 loan, 15-year term at 3.49% APR is $71.44.
1Consult a tax advisor regarding deductibility of interest
2Texas Cash Out loan documents are Section 50(a)(6)
Applicable Texas Home Lending Rules apply
NMLS #630601

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