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Home Equity
 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
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
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