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Our Home Equity Lines of Credit put borrowing convenience in your hands and provide you instant access to funds. You can simply write a check for whatever you need, whenever you need it. It's like writing yourself a loan. And with our one-time approval there's no need to reapply each time you need additional funds. You simply advance on your approved credit line at your convenience.

A variable rate line of credit based on 80% of the value of your home. It's the flexible line of credit that's ready when you are.

  • No Closing Costs
  • Tax savings
  • Borrow up to 80% of your home’s value
  • Flexible repayment terms
  • Pay interest on only what you borrow
  • Low variable interest rate
  • Interest Only Payment Privilege
  • SmartLock Available

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We also offer SmartLock1, which allows you to convert portions of your line of credit balance into fixed rate loans. Use your Home Equity Line of Credit to buy a new car, the pool you’ve always dreamed of, pay college tuition, or almost anything, and then with SmartLock you can lock those balances into separate fixed rate loans or bundle them all together.

1. Make an advance from your line of credit.

2. Lock a portion of the advance and pay interest only on the amount borrowed.

3. Borrow again from the remaining portion when needed.

Type of Credit Balance Avg APR2 Approx.
Credit Card Debt $20,000 11.37% $400
Auto Loan $25,000 6.48% $489
Swimming Pool $25,000 7.84% $237

Total $70,000 -- $1,126
With Smartlock $70,000 7.76% $659


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1. Minimum amount required to lock is $5,000. 2. Rates are provided by and may not reflect current interest rates. Ask us for our current rate.

© 2015 Bank of Texas, a division of BOKF, NA. Member FDIC. Equal Housing Lender.