couple working on plans for a home remodel with tools laid out on a table and a ladder in the backgroundNeed a financial plan to help cover life’s big expenses?

A home equity loan may be your solution! 

Do you own your home? Maybe you’ve been there for years. With property values on the rise, there has never been a better time to look into a home equity loan to help tackles life’s large expenses.

Common Uses:

  • Home Renovations & Improvements
  • Cover Education Costs for your Kids
  • Build a Swimming Pool
  • Consolidate debt
  • …and just about anything else!

Use the following formula to determine the equity available in your home:

Home Equity = 80% TIMES (x) Your Home’s Appraised Value¹ MINUS Your Mortgage Balance MINUS any Home Improvement Loans That Currently Use Your Home As Collateral = Amount You Can Borrow²

¹Appraised value is based off current local county property appraisal district values and/or 3rd party private appraisal report.
²Subject to overall credit approval. Other terms and conditions apply. Additional fees and restrictions may also apply. See CU for full details.


  • In Texas, the loan amount can be up to 80% of the appraised value (minus all liens) of owner-occupied, principal dwelling property.
  • Max 15-year terms
  • Min. loan amount $25,000
  • Low Closing Costs3
  • Rates as low as 3.25% APR* (as of 3/29/2021)    Subject to change. Please call to verify rates. 

Simply give us a call at (979) 265-5333 or apply online below!

*APR=annual percentage rate. Subject to overall credit approval. Rates subject to change without notice. Always check with credit union for most current rates.
Texas Home Equity Loan Disclosure: The principal loan amount at the time the loan is made must not exceed an amount that, when added to the principal balances of all other enforceable liens against your home, is more than 80% of the fair market value of your home. Texas residents may only have one home equity loan out in a 12-month period.
3Loan closing costs & fees are low compared to our competition capped at 1.5% of loan amount. Please compare approval terms and conditions of other lenders with those of BTFCU. Speak with a loan officer for more information on approval terms.