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 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.

We offer home loan rates as low as 2.756 % APR* Apply Now

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.

Apply for a Home Equity Loan

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.

Apply for a HELOC

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.

Apply for a First Lien Cash Out Loan

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.

Apply for a 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

2020 is the Year to Buy a Home

2020 has been an out of the ordinary year in many ways thus far, but there are plenty of opportunities to turn it into a year of good things. Summer and sunshine are upon us and despite the impact that COVID-19 has had on work, school and social life, everyone is doing their best to continue moving forward. This includes many people taking the exciting step to purchase a home. We may be halfway through 2020, but there's still plenty of time to make your goal of home ownership a reality and UHCU is ready to help you achieve that in the easiest way possible!

Buying a Home from Home

In the past, buying a home remotely was usually reserved for special cases such as vacation homes or because of a relocation. However, given our new norm of social distancing, buying a new home from the comfort of your living room is becoming increasingly more popular.

Spring is Coming – Considering a Refinance?

With spring just around the corner, is there a best time of the year to refinance your mortgage? That’s a question that only you will know the answer to—after all, everyone’s needs are slightly different. However, for many, the spring is a perfect time to choose new options for mortgage refinancing.

Why You Should House Hunt in the Winter

When we think of going house hunting, we tend to picture sunny skies and spring time, not cold and dreary days. Don’t let that scare you, as there are actually several advantages to house hunting in the winter. Not to mention that house hunting season is starting early this year!

6 Budget-Friendly Upgrades to Boost Your Home’s Value

There are only a few weeks left before summer officially begins and if you’re planning on selling your home soon, you should consider devoting some time to small, inexpensive weekend projects that could really pay off. We’ve compiled a list of low-cost tweaks that might increase your home’s value and help your property sell faster. Even if you’re not planning to sell, these are great tips to give your house a fresh look.

Six Helpful Tips for Buying a Home

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.

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.

Expect the Unexpected: The Costs of Buying a House

A first-time homebuyer could easily overlook fees and expenses that come when purchasing a home. That’s why it’s important to learn about all of the costs you will have to budget for. Here are 4 costs to consider when buying a home.

Down and Detailed: All About Down Payments

Purchasing a home for the first time is a major financial milestone. Along the way, you’re bound to have questions. How much money will I need to put down? How will my down payment affect my mortgage payments? All great questions and fortunately, there are many options and choices for every kind of homebuyer.

3 Must-Dos Before Buying a Home in Austin

With an average list price of $414,563 for a four-bedroom, two-bathroom house, Austin-area homes are the most expensive in the Lone Star State. Check out these money-saving tips to ensure you don't overstretch your budget when buying a home in Texas' capital city.

5 Factors that Influence Your Mortgage Interest Rate

If you're in the market for a new home, you're also in the market for a mortgage loan. And when it comes to loans of any type, it's key to work with a lender you trust. That's why it's important to understand how your interest rate is determined and the factors that affect your final rate. When shopping for mortgage loans, consider these five factors and how they might influence your rate.

First-Time Homebuyer: 10 Steps to Homeownership

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.

How Much House Can You Afford?

If you’re like most Americans, the question isn’t, “Am I going to finance my new home?” But rather, “What mortgage payment can I afford?” Before you begin hunting for a new house, there are many factors to consider.

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