Repair, Renovate or Replace

Cool off this summer by putting your home’s equity to work! Install a new deck or retire your old air conditioner before it breaks down. With a home equity line of credit (HELOC), we can help you meet your summer goals now through September 28th with rates as low as 4.50% APR1. Jump on this today, and you’ll receive a large, 110-quart cooler to help you stay cool while you perfect your home.2

All you need to do is:

  1. Give us a call at 713.22.LOANS or visit any HPCU location to obtain a HELOC loan application and schedule an appointment with a loan officer to discuss your borrowing needs
  2. Return the completed loan application with all required supporting documents, and we’ll get the ball rolling with an examination of your home by a certified, independent appraiser
  3. Your loan officer will use the appraiser’s assessment of your home’s value to help determine the amount of the HELOC that you are qualified to borrow

That's it!

Interested in a fixed-rate home equity loan instead? Or do you currently have a HELOC or home equity loan that you would like to refinance from another lender? Just let us know, and we'll walk you through every step to make it a hassle-free process. Call or come in today because this offer ends on September 28, 2018.

1 APR = Annual Percentage Rate. Credit score will be established by TransUnion FICO 9. Rate current as of July 2, 2018 and is subject to change based on market conditions or borrower eligibility. 4.50% APR is variable. Variable APR equal to The Wall Street Journal Prime Rate (currently 5.00%) plus a fixed percentage, or margin, with a minimum APR of 4.50% and a maximum APR of 18.00%. APR may be higher based on the prevailing variable-rate index value, credit qualifications, the amount of the credit line, combined loan-to-value, and/or property type. Minimum HELOC is $10,000.00. Maximum HELOC, together with any other mortgage(s), cannot exceed 80.00% of the property value on the family, owner-occupied property. 5-year draw period followed by a 3- to 15-year repayment period as specified in the original agreement and/or the payoff period established according to HPCU lending guidelines and policies. Homeowner’s property insurance is required. Flood insurance may be required. Nonowner occupied properties are ineligible for this offer. Offer does not apply to existing HPCU HELOCs. Membership eligibility is required.
2 Members of HPCU that finance a new home equity loan or HELOC between July 2, 2018 and September 28, 2018 will receive one 110-quart cooler at loan closing. Loans funded prior or after the set dates are ineligible for the cooler and will be excluded. Members closing jointly with one or more persons will receive only one cooler. Promotion ends September 28, 2018.

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