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Home Equity

Use your home's value to make your dreams come true!For a limited time, our Home Equity Loan rates are as low as:

4.99% APR*
for up to 5 years
5.50% APR* for up to 12 years
6.25% APR* for up to 15 years

If you are a Texas homeowner**, a UNITED SA® Home Equity Loan may be your best borrowing option. It can be used for any legal purpose such as a
new car or boat, new kitchen appliances, a dream vacation for your family or relief from credit card bills.

A home equity loan is an easy way to get the money you need for whatever you want to do.
Contact us for current rates to take advantage of a low-cost answer to your borrowing needs.

A completed application is not sufficient to start the Home Equity Loan process. You must also supply the required documents listed on the checklist below. 

                             
Home Equity Loan Checklist
Apply for a Texas Home Equity Loan



Home Equity Loan Amounts
  • Borrow from $5,000 to $100,000 
  • The home equity loan combined with the first mortgage may not exceed 80% of the fair market value of the home.

Qualifications
  • Normal credit criteria apply.  Applicants must have an adequate source of funds for repayment and income commensurate with the credit limit approved.
  • You must have at least 20% of the appraised value owed on your mortgage paid off.
  • The property must be an owner-occupied, one or two-family house in Texas.
  • No condominiums, mobile homes or rental properties allowed.

Advantages
  • Lower interest rates than personal loans
  • Lower monthly payments
  • Longer terms
  • No fees if the loan is closed at UNITED SA®

*APR = Annual Percentage Rate. Rates are based on credit worthiness. In-house refinances are not eligible for this offer. Rates are subject to change without notice. Payment per $1,000 is approximately $18.87 per month for 60 months at 4.99% APR. Payment per $1,000 is approximately $9.50 per month for 144 months at 5.50% APR. Payment per $1,000 is approximately $8.57 per month for 180 months at 6.25% APR.

**Texas Residence Homestead Property Only
 

The online loan application is not valid for FHA Title I or Home Equity (Texas only) loans. Please review our Home Equity Loan Checklist, complete our Home Equity Application and visit one of our branches for processing.
 
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