Need help getting started? Give us a call at (409) 726-2126

Step 1: Compare Home Equity Loan Rates as Low as:

Rates effective August 27, 2019

7 YEARS

3.75% APR*

Maximum LTV is 80%

10 YEARS

4.00% APR*

Maximum LTV is 80%

15 YEARS

4.25% APR*

Maximum LTV is 80%

20 YEARS

4.25% APR*

Maximum LTV is 80%

30 YEARS

5.00% APR*

Maximum LTV is 80%

*APR = Annual Percentage Rate. Loan rates quoted are based on A+ credit rating. Actual rates will vary and are based on individual creditworthiness. Home equity rates valid on first lien home equity loans only. Please call to verify listed rates and fees.

Step 3: Get Prepared for Your Home Equity Loan.

credit report

Credit Report

Your credit score is based upon your spending, payment, and credit history. It is represented by a number between 300 to 850. The higher your credit score is, the better rate you may get.

How to get prepared: We recommend you get a free yearly credit report to learn what's on your report before applying for a home equity loan.

your home's value and equity

Your Home's Value & Equity

We will assess the value of your house using independent appraisers to help determine how much you are eligible to borrow.

debt to income ratio

Debt-to-Income Ratio

Your debt-to-income (DTI) ratio is calculated from how much of your total monthly income (before taxes are taken out) goes towards paying off your debt. This helps us to understand what percentage of your income will go towards your home equity loan.

Ways To Pay Your Loan

Pay by Mail


DuGood FCU
P.O. Box 12899
Beaumont, TX 77726

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Meet Our Mortgage Team

Sandra

Sandra Bickham
VP Mortgage Lending
(409) 726-2107

Susan

Susan Benoit
Mortgage Operations Manager
(409) 726-2115

Sandra

Sandra Flanigan
Senior Mortgage Lender
(409) 726-2104

Sandy

Sandy Ferrell
Senior Mortgage Lender
(409) 726-2106

Holly

Holly Barlow
Mortgage Loan Servicer
409-726-2113

Candy

Candy Pitts
Mortgage Loan Processor
(409) 726-2111

Get answers to frequently asked questions

Download our free Home Equity Guide

It breaks down the process step by step. Inside you'll learn what a home equity loan is, how you can use a home equity loan to achieve your goals, how to calculate the equity you currently have, and more!

Home Equity Loan Guide