Get Your Home Set for Summer

Are you ready to dip into your dream pool or relax in your backyard’s beautiful landscape? We can help make that happen! Take advantage of our home equity loan or home equity line of credit (HELOC), and choose which loan works best for you. We’ll walk you through the process to make it as easy as possible.

Interested in refinancing from another lender instead? We can help you too!

Your new home equity loan or HELOC comes with:
  • $500 Home Depot gift card1
  • Rates as low as 3.50% APR2
  • No-closing cost options
  • Flexible spending options
  • No application fees

Here's what you do next:
  1. Call 713.22.LOANS to submit a loan application by phone or call 713.986.0301 to schedule an appointment to apply in person.
  2. Return the completed loan application with all required supporting documents, and we’ll get your home examined by a certified, independent appraiser.
  3. Sit tight while our loan officer uses the appraiser’s assessment of your home’s value to determine the amount that you’re qualified to borrow.

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This offer ends June 30, 2021.

1 Members of HPCU that finance a new home equity loan or HELOC between May 12, 2021 and June 30, 2021 will receive one $500 gift card at loan closing. Loans funded prior or after the set dates are ineligible for the gift card and will be excluded. Members closing jointly with one or more persons will receive only one gift card. Promotion ends June 30, 2021.
2 APR = Annual Percentage Rate. Credit score will be established by TransUnion FICO 9. Rate current as of May 1, 2021 and is subject to change based on market conditions or borrower eligibility. 3.50% APR is variable. Variable APR equal to The Wall Street Journal Prime Rate (currently 3.25%) plus a fixed percentage, or margin, with a minimum APR of 3.50% 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. Minimum HELOC draw amount is $4,000. Maximum HELOC, together with any other mortgage(s), cannot exceed 80% of the property value on the family, owner-occupied property. Texas residents may only have one home equity loan or HELOC in a 12-month period. 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.

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