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Home Equity Loans

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For a change, let your home take care of YOU.

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 and print our Home Equity Loan Application by clicking on the "Complete Application" button below*
  • Ensure that you have the Loan Checklist documents in hand (including the completed application), 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.
  • An independent appraisal (at the member's expense) is required on all Home Equity Loans over $100,000


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

Maria Beckwith - NMLS ID: 1290194
Kris Boiles - NMLS ID: 555136
Jesus Castillo - NMLS ID: 321443
Gordon Chin - NMLS ID: 1381781
Crystal DeLaCruz - NMLS ID: 1285886
Jason Guerra - NMLS ID: 654282
Ricardo Guzman - NMLS ID: 1499593
Adolfo Martinez - NMLS ID: 567891
Jorge A. Rocha, Jr. - NMLS ID: 513941
Beverley Vidaurri - NMLS ID: 635449