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Home Equity

Home Equity

A home equity loan is secured by your home and enables you to access your available equity. It is a fixed rate with fixed payments.  A home equity loan can be a good way to deal with unexpected situations and opportunities. Your situation changes over time.  You may borrow up to 80% of your home value.  For example if your home is value and appraises for $200,000.00 and you owe $100,000.00, you may qualify for a loan amount of up to $60,000.00. There are no prepayment penalties and interest could be tax deductible.

 Home Equity proceeds can be used for anything you choose:

  • Consolidating debt
  • Paying for education
  • Home repairs/remodel
  • Purchase a new vehicle
  • Lower interest rates


Smart Financial Credit Union NMLS #456807 NMLS #291888
6051 North Course Drive Ste 100, Houston, TX  77072
Office:  (713) 407-1830
Fax:  (713) 407-1727
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