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Would you like to keep your great mortgage rate and make your home work for you?

Use your home's equity to update, expand, or simplify - without giving up the low rate you love.

If you want flexible financing for home projects while keeping your current mortgage, UHCU’s Home Equity Line of Credit is the solution. Access the funds you need, when you need them, to make your home work better for you. 

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Why Choose a UHCU Home Equity Line of Credit?

Get flexible financing for upgrades, repairs, or big plans, all without changing your current mortgage.

Flexibility

Use only what you need, when you need it. 

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Access.

Tap into your home's equity without refinancing.

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Confidence.

Work with a trusted local lender who knows your goals. 

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
  • Variable rate
  • Lower initial monthly payments
  • Easy access to funds
  • No pre-payment penalties
  • No annual maintenance fees
  • Use for recurring expenses like education costs or investments

Access the money you need, when you need it.

Apply for a HELOC
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Have Questions?

We're here to help.

To speak to a UHCU home loan specialist, give us a call at 512.435.4444.
 
Loan Sales - Submit an application or check on the status of an application for Purchase, Refinance or Cash Out Refinance:
Monday-Friday: 8:00 AM - 6:00 PM
Saturday: 9:00 AM - 2:00 PM
 
Questions on Existing Loans or Equity Access Applications:
Monday-Friday: 8:00 AM - 5:00 PM

 

Before we approve you for a home equity line of credit loan, we will review your credit report and the information you provided with your application to confirm that you continue to meet the predetermined criteria for this offer. Based on this review, you may not receive a home equity line of credit. Longer loan terms are available at different rates. Some restrictions may apply. Contact our Real Estate Lending Team at 512.435.4444 for more details.

Membership eligibility applies. Must meet United Heritage Credit Union membership requirements. Membership/Regular Savings account required. Federally Insured by NCUA. 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. Closing costs may apply. Applicable Texas Home Lending Rules apply. Equal Housing Opportunity. NMLS #630601