By taking advantage of your home’s equity, you can have access to the cash you need now with a low rate and term that fits your goals. United Heritage makes getting a home equity loan simple with no application fee and low closing costs. 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.
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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.

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
  • No annual maintenance fees
  • Use for recurring expenses like education costs or investments

Access the money you need, when you need it.

photo heloc
Refinance your home loan

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.

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.

photo home improvement loan

Have Questions?

We're here to help.

To speak to a UHCU home loan specialist, give us a call at 512.435.4444.
Monday-Friday: 8:00 AM - 6:00 PM
Saturday: 9:00 AM - 2:00 PM

Home Equity Advice & Insights

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Why You Should House Hunt in the Winter
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Six Helpful Tips for Buying a Home
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When it comes to purchasing a new home, using the assistance of experienced UHCU Loan Specialists who know the process inside and out can help make the experience smooth and free of unnecessary stress. Here you’ll find a list of 6 tips and tactics for buying your home. 

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Mortgage Terms and Disclosures: Learning a New Language
Mortgage Terms and Disclosures: Learning a New Language

Purchasing a new home can be as exciting as it is intimidating. In addition to the numerous loan options and payment structures, there are mortgage-related words and terms that might be new to some. But don’t fret. We’ve provided a guide to some of the most frequently used terms to help you along the way.

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Expect the Unexpected: The Costs of Buying a House
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5 Factors that Influence Your Mortgage Interest Rate
5 Factors that Influence Your Mortgage Interest Rate

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First-Time Homebuyer: 10 Steps to Homeownership
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Buying a home is an exciting experience, but it can also be overwhelming. It will probably be the single largest purchase you ever make and it requires thoughtful planning. Therefore, all first-time homebuyers should take a few things into consideration before they head down the path of homeownership. Here are ten important steps to follow when purchasing a new house.

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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