Home Equity Lines of Credit (HELOC)

Get quick access to the equity in your home, with a Home Equity Line of Credit from Bank of Texas. Whenever and wherever you need the money, it's a loan that's ready when you are.

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What Makes Our Home Equity Lines of Credit Stand Out?

Flexibility

With an option to fix your interest rate on a portion of your line of credit, we offer the flexibility you need.

Cost Savings

We offer very competitive interest rates — and no closing costs — on all of our home equity lines of credit, so you can keep your overall costs as low as possible.

Pay Interest Only on What You Borrow

You pay interest only on the money you've advanced yourself, never on the un-advanced amount.

Personalized Service

You'll get personal attention from our Relationship Bankers, who can help you make the most of your home's value.

How To Leverage Your Home’s Equity

The equity in your home can be a valuable resource for your financing needs. But there are two different ways to leverage that equity. Watch this short video to help determine which option is best for you.

Home Equity Line of Credit

If you've had more time to build up equity in your home, a Bank of Texas Home Equity Line of Credit will reward you for your diligence with low interest rates that let you borrow on up to 80% of your home's available equity.

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SmartLock

Get the best of both worlds with SmartLock.* Using it, you can convert portions of your line of credit balance into fixed rate loans. This gives you the confidence of a fixed rate when you know exactly how much you'll need to take out, while still giving you all the flexibility of a home equity line of credit. Available on our Home Equity Line of Credit .

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Home Equity

How Much Can I Borrow from my HELOC?

Depending upon the market value of your home, outstanding mortgage balance, credit history and other factors, you may qualify for a home equity line of credit. Monthly payments on a Home Equity Line of Credit (HELOC) are variable as they fluctuate with interest rate changes. Use this calculator to estimate your borrowing capacity. (Subject to underwriting guidelines, including limits on maximum loan to value.)

Calculator

Your Financial Resources

Bank of Texas is with you on every step of your financial journey. Here are some tips that might help you along the way.

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