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Home Equity Loan

Use Your Home’s Equity to Invest in Life Improvement

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The equity in your home is the difference between what you owe on your house and its fair market value. So, every month, you build a little bit more equity in your home. You can use that equity to create the future you want for you and your family.

Accomplishing some of the major goals in life can be realized by borrowing against the equity you’ve built. Home equity loans may be used for home improvements that could make your life more comfortable and may even increase your home’s value. It could also be used for education, such as college tuition, or to consolidate debt.

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Home Equity Loans are Perfect for Debt Consolidation or Home Improvements

Our Home Equity Loan rates are much lower than unsecured loan options. So rather than reach for a credit card to pay for major expenses, consider using a Home Equity Loan from ITCU.

Your rate will be fixed, so your payments are stable over the term of the loan. 

InTouch Credit Union offers fixed rate Home Equity loans in all 50 states. You can choose the term of your loan, from 5, 10 or 15 years. That way, you have the funds you need for a term that fits comfortably in your life.

Loans are limited to 80% of your home’s value in Texas and 90% in all other states, minus existing mortgages.

  • Minimum loan amount is $7,500.00.
  • Title policies are required for loans greater than $200,000.00 or a loan to property value (LTV) greater than 70%.
  • Appraisals are required for loans over $250,000.00.
  • The interest is tax-deductible in most cases.1

For more information, contact us.

A Home Equity Loan is a Versatile Financial Solution 

Getting Ready to Apply for a Home Equity Line of Credit

Get it done in three short steps!

  1. Calculate the equity you have in your home, using our handy Mortgage Calculators.
  2. Determine whether you prefer a Home Equity Loan or Home Equity Line of Credit.
  3. Get an application started through one of the options below.

1 Consult your tax adviser regarding deductibility of interest.
2 Contact a Credit Union representative for information regarding fees.