Texas Bay Credit Union Logo

Call now 713.852.6700

Routing: 313082935

Happy Couple with son

Home Equity Loans

Whether you’re financing a major purchase or consolidating debt, a home equity loan can help.

If you’re looking to consolidate your bills, fund your child’s college tuition, or even plan the wedding of your dreams, Texas Bay CU’S Home Equity Loan is a cost effective way to make your home’s value work for you.

Terms and Conditions

Closing Costs: If an appraisal is required, fees range from $350 – $475 depending on location of the property. Standard recording fees are $90. Additional recording fees may be assessed based on the number of pages.

Closing Date: Loan may not close earlier than 12 days after the application and “Texas Home Equity Consumer’s Disclosure” is received by the Credit Union.

Funding Date: Loan may not be funded until three business days after the loan has been signed.

*Fair market value will be determined by the appropriate county appraisal district’s valuation. Certified appraisals are only required for loans $100,000 and above with 70% or higher Loan to Value. A Certified Appraisal may be required for any loan at TBCU’s discretion.

escrow FAQs button

Apply Now

Great Offers

The possibilities are endless with a Texas Bay Home Equity Loan¹.  Financial relief is closer than you think.  Take advantage of today’s low rates and use the equity in your home for essentially anything you want or need.

  • Home Improvements
  • New Pool
  • Pay Taxes or Debt Consolidation
  • Dream Vacation
  • College Tuition
  • Endless Possibilities.  Your Choice!

PLUS get up to .50% Rate Discount² with the following:

  • Active Checking Account with Direct Deposit
  • Credit Life Insurance
  • Credit Disability Insurance
  • Active Credit Card or Existing Loan

Take advantage of the equity in your home with a Texas Bay Home Equity Loans today!

Start Today!

If you don’t have a home or sufficient equity, consider a Texas Bay Personal Loan.

¹Loan amount cannot exceed 80% of the collateral value, less outstanding liens.  Generally (except for Title Policy and Appraisal costs), closing costs will be paid by the Credit Union; however, in some instances, certain other costs will be paid by the member.  Interest paid on a Texas Bay Home Equity Loan might be tax deductible; please consult your tax advisor.  Credit criteria applies.
²Relationship Product Discounts lower your rate up to a .50% reduction from the standard rate.  The standard rate is based on your credit at the time of application.  Discounts per product vary.  A combination of products reach up to .50% rate deduction.

Start a Request Today!

Texas Bay Credit Union 2020

ADA Compliance This site is reviewed to achieve a generally acceptable “reasonable” level of ADA compliance.
NCUA logo
This credit union is federally insured by the National Credit Union Administration.
Equal Housing Opportunity logo
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
Excess Share Insurance
Certified CDFI