Home Equity

If you’ve spent years investing time and money into your home, it may be time to explore ways to leverage its value.

  • Low, fixed interest rates
  • Terms up to 20 years
  • No prepayment penalties
  • Easy online access
  • Convenient online application
  • Available in Texas, Louisiana and Colorado

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Getting Started

We know the home loan process can be overwhelming. Whether you're ready to apply or need to talk to one of our knowledgeable loan advisors, we're here to help you every step of the way.

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READY TO TALK? Contact us at 844-468-9369 Monday through Friday 8:30 am to 5:30 pm CT.

Know Your Equity

The equity in your home is the value of your home less any outstanding loans owed against it. A home equity loan in Texas allows you to borrow up to 80% of the value of your home.

Example: If your home is valued at $100,000 you may borrow up to 80% of its value or $80,000. If you already have a home loan of $55,000 you would have $25,000 in equity that you may be able to borrow ($55,000 + $25,000 = $80,000).

Easy Online Access

With our home loan, you get up-to-the minute information online, anytime — including current balances, transaction history, payment due dates, and more — when you sign up for online banking. You can even set up automatic loan payments from your Credit Human checking or savings account for ultimate convenience.

Learn More: Find out more about online banking and how you can sign up to manage your home loan as well as your other Credit Human accounts.

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Home Improvement

Upgrade your home today — from remodeling to a new deck — with a Credit Human Home Improvement Loan.

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Purchase or Refinance

Whether you’re ready to buy a home, or need to refinance your existing home at a better rate, turn to Credit Human.

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Find Out How Much You Can Afford

Calculate your monthly payment and more.

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Home Equity Rates

TermRates as low asAPR as low asMinimum Loan AmountMaximum Loan Amount
Up to 15 years6.700%6.744%$15,000$350,000
20 years6.800%6.836%$15,000$350,000
TermRates as low asAPR as low asMinimum Loan AmountMaximum Loan Amount
Up to 15 years7.200%7.245%$15,000$250,000

Rates are effective as of 6/02/23

Credit Human lending areas include the states of Colorado, Louisiana and Texas. Rates are subject to change without notice. Rates may be locked only after your completed loan application is received. This information is not a commitment to make a loan, nor is it a guarantee that you will receive a specific rate if approved. An annual percentage rate (APR) is a broader measure of the cost to you of borrowing money. The APR reflects not only the interest rate but also the points, mortgage fees, and other charges that you have to pay to get the loan. For that reason, your APR is usually higher than your interest rate. Loans above 80% Loan-To-Value ratio may require private mortgage insurance.

Disclosed rates are based on a purchase amount of $175,000 loan amount, FICO of 740+ with a maximum loan-to-value of 80%.

Please contact a Credit Human Loan Advisor at 844-468-9369 for assistance if you have questions about rates and terms.