Your home is more than a place to live—it’s a source of financial power. Whether you’re looking to fund a dream renovation, consolidate debt, or tackle life’s unexpected expenses, a Home Equity Loan (HELOAN), Home Equity Line of Credit (HELOC), or the unique FIXLINE option could be the perfect solution. Let’s dive into the details to help you decide.

What is a HELOAN?

If you like certainty, the HELOAN might be your best bet. With a fixed interest rate and a one-time lump sum payout, it offers the predictability of stable monthly payments for the life of the loan. Available in terms ranging from 5 to 30 years, the HELOAN is ideal for big projects or one-time expenses, such as home improvements, medical bills, or debt consolidation.

What is a HELOC?

Need financial flexibility? A HELOC gives you access to funds as needed during a draw period, offering payment options that adapt to your balance. Think of it like a credit card backed by your home equity—use what you need, when you need it. Payments adjust based on the amount you draw, and with the option to reuse your line for up to three years, it’s perfect for ongoing or unexpected expenses.

What About the FIXLINE?

The FIXLINE is a hybrid under the HELOC umbrella, offering a middle ground between flexibility and predictability. Unlike a standard HELOC, the FIXLINE provides fully amortized, fixed-rate payments over terms of 15, 20, or 30 years. You still have access to your equity, but with the confidence of fixed payments—making it a great option for Texans seeking stability without sacrificing access.

Key Benefits at a Glance

HELOAN: Fixed rate, one-time funding, long-term stability. HELOC: Adjustable rate or FIXLINE options, draw and reuse funds for three years. FIXLINE (HELOC): Combines flexible access with the predictability of fixed payments. Competitive Limits: All options support owner-occupied, second homes, and investment properties, with generous loan amounts and high loan-to-value ratios.

No matter which option fits your needs, we’re here to guide you every step of the way. Let us help you make the most of your home equity and take the next step toward achieving your goals. Contact us today to get started!