100% LTV Home Improvement Loans

Even if you haven't had much time to build equity, you can still get a home equity loan. Our 100% LTV Home Improvement Loans give you access to all your equity, right when you need it.

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A Home Loan for the Full Value of Your Equity

If you've never applied for a home equity loan because you didn't think you had enough equity, then this is the loan for you. Establishing equity in your home takes time, but with our 100% LTV Home Improvement Loans, you can put your equity to work sooner. And this loan comes with no closing costs, saving you hundreds of dollars!

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How it works


Home equity is the difference between how much your home is worth and how much you owe on it. A 100% Home Improvement Loan allows you to borrow up to 100% of your home’s equity. For example, if you own a home with an appraised worth of $200,000, and you still owe $180,000 on the home, then your home equity is $20,000. If your Home Improvement Loan qualifies you to take out 100% of your home's equity, this means you can then borrow up to the full equity amount of $20,000.

Maximize the Equity in Your Home

Now there's no need to wait to build up your equity. As long as you know how much money you need, you can borrow up to 100% of the equity you have in your home, and receive a single advance of funds. Click below to see what interest rate you can expect on your loan.

Convenient — and Affordable — Monthly Payments

If you want your payments to stay the same each month, this is the right loan for you. Plus, you can set up an automatic payment directly from your Bank of Texas checking account, so you don't have to worry about it every month. And keeping track is easy, with up to seven years of Online Statements, and 18 months of transaction history at your fingertips in Online and Mobile Banking.

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Related Products and Services

Looking for something more conventional? If a 100% LTV Home Improvement Loan isn't quite right for you, we have a variety of other products to choose from.