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 - 15 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
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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
Cassandra Moreau - NMLS ID: 1172975
Virginia Munoz - NMLS ID: 1223319
Jorge A. Rocha, Jr. - NMLS ID: 513941
Sylvia Santos - NMLS ID: 316634
Beverley Vidaurri - NMLS ID: 635449