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