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Home Loans
Our range of home loan options helps you turn “someday” into “let’s do this.”
From house keys to home projects, our home loan options give tomorrow a strong foundation.
Mortgages
Ready to make a move? Our mortgage options help you buy or refinance with a plan that fits your life— and your future.
- Competitive rates and closing costs4
- Flexible down payment options
Home Equity Loans
Put your home equity to work! Fund renovations, consolidate debt, or tackle big goals with a loan built for real progress.
- Low, fixed rates1
- Terms up to 30 years2
- No prepayment penalties3
HELOC
When life calls for flexibility, a HELOC answers. Tap into your home’s equity for projects, plans, and everything in between.
- Variable rate adjusts quarterly based off Wall Street Journal Prime rate
- 5 year draw period
- 10 year repayment period: payment can adjust quarterly dependent on rate adjustment, outstanding balance, and maturity date
- Borrow against up to 80% of your home's value (minus any existing mortgage loan balance)
- No prepayment penalty
Support for the plans you’re building.
Homeownership goals have a way of getting real…fast, and we’re here to help you feel prepared for every step! From mortgages to Home Equity Loans and Home Equity Lines of Credit (HELOCs), we offer solutions that help you buy, refinance, or fund what’s next with clarity and a plan.
Resource Links for Texas Home Equity Loans
- Home Equity Application Package and FAQs
- Home Equity Loan Checklist
- FAQs for On-Time Closing
- HUD's Settlement Cost Booklet
Questions or Comments about your Home Equity or Home Improvement Loan?
If you have questions or concerns about your existing home equity or home improvement loan, or if you believe there may have been a transaction error made on your home equity or home improvement loan account, please fill out, sign, and return a Home Equity/Home Improvement Loan Error/Information Request Form.
Payoff Request for Texas Home Equity Loan?
If you would like to request a payoff statement for your home equity or home improvement loan, please fill out, sign and return a Payoff Request Form.
Useful Links
Rates
Loan Type
Term
APR* as low as
Account Type
Tier
Dividend
APY*
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FAQs
Have questions? We have answers!
Get answers to frequently asked questions about Austin Telco accounts and services.
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We’d love to hear from you! Remember, NEVER submit personal financial information through our contact form.
Disclosures
*APR = Annual Percentage Rate
1Rates shown are for first-lien home equity loans, second lien loan rates may be slightly higher, please call for details. All rates and terms are subject to change without notice. Actual rate may vary depending on credit qualifications.
2A 30-year term is only available for first-lien home equity loans and requires a loan minimum of $50,000. All rates and terms are subject to change without notice.
3for early payoff or additional principal payments.
4All rates and terms are subject to change without notice. Actual rate may vary depending on credit qualifications.
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