Home Equity Loan

Access the equity you've built in your home for home projects, debt consolidation, cash-out and more!

Family playing in the front yard

You worked hard to earn the equity in your home, it's time to use it!

Home Equity loans, also known as Cash-Out Refinances, are a great way to use the value of your home (home equity) to provide you with cash you need for home repairs, debt consolidation, college expenses, and more. If you have a great rate on your current mortgage and would like to get cash out, then a 2nd lien home equity may be right for you.

Borrow up to 80% of the appraised value of your home. Pay off your existing mortgage balance and use the rest to do repairs, consolidate debts, pay for college, or whatever you need.

Home Improvements

Installing a pool, new kitchen, or master bathroom? Using your home's equity is a great way to fund your home projects.

Fixed-Rate Debt Consolidation

Bring all your loan payments into one monthly payment with a fixed rate.

Pay for School

Whether you are in school, or planning for your kids. Your home's equity can help pay for it.

Cashing Out

With home values on the rise, you likely have equity you can turn into cash.

Home Equity Loan Features

  • Variety of Options: debt consolidation, home projects, tuition costs, cash-out, and more. Consult with our team to address your individual needs.

  • Fixed Rates: secure the best rate for you so you can make affordable payments

  • Flexible Terms: pay back your equity in a timeframe that works for you

  • Personalized Service and Expertise: you get to work with our team of experts to help you get the right home equity option for your needs.

Young womna painting and remodeling a room

Other Home Lending Options

Texas License Number: 901364

Federal Mortgage Loan Originator NMLS #402846

1: APR = Annual Percentage Rate. Rates, terms and conditions are subject to change anytime without notice.

All loans are subject to approval.


USA Patriot Act requires IDENTITY VERIFICATION for all new accounts. Pursuant to Texas Credit Union Department Rule 91.315, documents relating to Texas Trust's finances and management are available by calling (972) 263-5171. All member service issues please call (972) 263-5171.