Access Cash as You Need It—With a HELOC

A Home Equity Line of Credit (HELOC) lets you borrow against your home’s value—only when you need it. Flexible, revolving credit backed by your home’s equity.

A HELOC is a revolving line of credit secured by your home. It works like a credit card—you draw funds when needed and only pay interest on what you use. Great for ongoing expenses like renovations, tuition, or emergency cash flow.

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A HELOC gives you financial flexibility—perfect for homeowners who want control over when and how they access their equity.

💳 Flexible, revolving credit
🏠 Use equity without refinancing
📉 Interest-only payments during draw period
🔧 Perfect for home projects or emergencies
💼 Funds available when you need them

Q: How is a HELOC different from a home equity loan?
 A home equity loan is a lump sum. A HELOC is a line of credit you use as needed.

Q: Can I use the money for anything?
Yes. Home improvements, debt consolidation, education, or unexpected expenses.

Q: Is my interest rate fixed?
Most HELOCs have variable rates, but fixed-rate options may be available.

We've been helping customers afford the home of their dreams for many years and we love what we do.

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Mortgage Disclosure: Consumers wishing to file a complaint against a mortgage banker or licensed residential mortgage loan originator should contact the Texas Department of Savings and Mortgage Lending (SML). Visit [www.sml.texas.gov](https://www.sml.texas.gov) for instructions and to obtain a complaint form.