Home Equity Loans

What's on your wish list?

  • Home Improvements
  • College Tuition
  • Paying off Bills
  • Dream Vacation

You can do it with a Home Equity Loan from UNITED SA!

Whatever you have in mind, a Home Equity Loan is a smart way to finance your big plans, offering:

  • Lower rates than most credit cards and other loans
  • Terms from 5 - 20 years
  • Generous credit limits from $10,000 up to $500,000
  • Escrow account set up available
  • Local loan decisions
  • No fees if the loan is closed at UNITED SA
  • Potential tax deductions on the interest (consult your tax advisor for details)

To start the Home Equity Loan process:

  • Review our Home Equity Loan Checklist
  • Complete a Home Equity Loan Application by clicking on the "Apply Now" button below*
  • Ensure that you have the Loan Checklist documents in hand, then visit one of our branches to get started

Home Equity Loan Qualifications

  • At least 20% of the appraised value owed on your mortgage must be paid off.
  • The home equity loan combined with the first mortgage may not exceed 80% of the fair market value of the home.
  • The property must be an owner-occupied, one or two-family house in Texas.
  • Condominiums, mobile homes or rental properties are not eligible.

It Pays to be a Member!
Do you have friends or family who are looking for a home equity loan? Refer them to UNITED SA by submitting their information to us. We'll invite them to become a member based on your referral and if they take out a loan or credit card, or open an Ultimate Checking Account with us, you will both get $25!

Normal credit criteria apply.
*Please click on the "Apply Now" button above to apply for your Home Equity Loan. Our standard online loan application is not valid for Home Equity Loans.