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 17, 2021

5 YEARS

2.75%*

2.75% APR*

Maximum LTV is 80%

7 YEARS

3.00%*

3.00% APR*

Maximum LTV is 80%

10 YEARS

3.00%*

3.00% APR*

Maximum LTV is 80%

15 YEARS

3.25%*

3.25% APR*

Maximum LTV is 80%

20 YEARS

3.50%*

3.50% APR*

Maximum LTV is 80%

*APR = Annual Percentage Rate. APR is calculated based on a loan amount of $100,000. 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

SEE WHAT OTHERS HAVE TO SAY

This section contains a carousel featuring member reviews. The carousel is not fully controllable by keyboard and contains repetitive info that is not easily interpreted by screen readers.

Meet Our Mortgage Team

Derek J Landry

Derek J. Landry

VP of
Lending

(409) 241-2296
  Email

Susan Benoit

Susan Benoit

Mortgage Lending Manager
(409) 726-2115
  Email

Sandra Flanigan

Sandra Flanigan

Senior Mortgage Lender
(409) 726-2104
  Email

Sandy Ferrell

Sandy Ferrell

Senior Mortgage Lender
(409) 726-2106
  Email

Holly Barlow

Holly Barlow

Mortgage Servicing Supervisor
(409) 726-2113
  Email

Kelli Hudgins

Kelli Hudgins

Mortgage
Specialist

(409) 726-2119
  Email

Blake Worthey

Blake Worthey

VP of Real Estate Lending
(409) 241-2261
  Email

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