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Imagine the Possibilities of a Home Equity Loan from HOTFCU!

Home Equity Loans

Tap into your home's equity! Pay for home improvements, college tuition, debt consolidation, dream vacation or any other expense.

  • Low Annual Percentage Rates
  • Paid in one lump sum
  • Borrow up to 80% of your home's value
  • Low, fixed interest rates
  • Interest may be tax deductible1
  • No application fees
  • Convenient payment options

*Heart O’ Texas Federal Credit Union is an Equal Housing Lender. HOTFCU home equity loans available only in Texas. *APR=Annual Percentage Rate. All loans subject to application, credit qualification, income verification; additional evaluation and verification criteria may apply. Rates, terms and conditions are subject to change at any time without notice. Other restrictions may apply.  1) Consult a tax advisor regarding the deductibility of interest. Lending in accordance with state of Texas Guidelines. Texas homestead properties are limited to 80% combined loan to fair market value for home equity financing. NMLS#616262

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Loan Application - English

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