Start Remodeling Today

Home improvements can be a hassle. The good news is that we’re here to help with a home equity line of credit (HELOC). With rates as low as 4.00% APR1, you can start making those changes now through April 30th. Whether you’re still dealing with the aftermath of Hurricane Harvey or you just want to remodel your kitchen, we’re here to make the process easier. Open a new HELOC today, and you’ll also receive an entry into a drawing for a 12,000-watt portable generator.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 April 30, 2018.

1 APR = Annual Percentage Rate. Credit score will be established by Equifax Beacon FACTA 09 model #MD02369. Rate current as of March 9, 2018 and is subject to change based on market conditions or borrower eligibility. 4.00% APR is variable. Variable APR equal to The Wall Street Journal Prime Rate (currently 4.25%) plus a fixed percentage, or margin, with a minimum APR of 4.00% 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 March 9, 2018 and April 30, 2018 will be entered into a drawing for a chance to win an A-iPower 12,000-Watt Gasoline Powered Electric Start Portable Generator at loan closing. One entry per person. Loans funded prior or after the set dates are ineligible and will be excluded from the drawing. Members closing jointly with one or more persons will receive only one entry. Members and non-members who wish to participate in the promotion must submit a 3” x 5” index card with “Remodeling" Home Equity Loan Promotion, their name, address and phone number to: 1600 Memorial Dr., Houston, TX 77007, Attn: Marketing Department or to any branch location. All entries must be received by April 30, 2018. Winner must be at least 18 years of age. See Official Promotion Rules for specifics and eligibility. Check with a HPCU representative for full details. Promotion ends April 30, 2018.

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