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

Note: If you are looking for ways to improve your home, also consider our Home Improvement Loan.

VIEW RATES


Getting Started

We know the home loan process can be overwhelming and we are here to help you every step of the way. Your home is an asset that you may be able to use to pay for an important purchase. To get started, our knowledgeable loan advisors are available to contact you to discuss your best options.

Get Started

Ready to Apply?  If you are a Credit Human member, fill out our easy online loan application and choose Home Equity Loan. Learn more about what you need to begin the loan process. 


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.

Join Credit Human and Become a Member Today

Home Improvement

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

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.

Dividend Checking

Dividend Checking allows you to earn dividends on your balance while saving on fees and enjoying all the conveniences that come with all of our checking accounts.

Home Equity Rates

TermRates as low asAPR as low asMinimum Loan AmountMaximum Loan Amount
5 years4.500%4.831%$15,000$350,000
7 years4.750%4.998%$15,000$350,000
10 years5.000%5.184%$15,000$350,000
15 years5.125%5.256%$15,000$350,000
20 years5.375%5.482%$15,000$350,000
TermRates as low asAPR as low asMinimum Loan AmountMaximum Loan Amount
5 years5.000%5.350%$15,000$250,000
7 years5.250%5.513%$15,000$250,000
10 years5.500%5.695%$15,000$250,000
15 years5.625%5.764%$15,000$250,000
20 years5.875%5.989%$15,000$250,000

Rates are effective as of 6/20/18

Credit Human lending area includes Bexar County and contiguous counties (Atascosa, Comal, Bandera, Guadalupe, Kendall, Kerr, Medina and Wilson) and Harris County and contiguous counties (Brazoria, Chambers, Fort Bend, Galveston, Liberty, Montgomery and Waller).  Rates are subject to change without notice. Rates can 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 mortgage insurance. Please contact a Credit Human Loan Advisor at 844-468-9369 for assistance if you have questions about rates and terms.