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Home Equity & Home Improvement Loans


Home Equity Loans

Use the equity in your home to consolidate debt, take a vacation, pay for your child’s college education or make repairs around the house.  With flexible financing options, we have the right loan for you.

  • Financing available up to 80 percent* of fair market value
  • Term options include 5, 10, or 15 years*
  • Fixed-rate monthly payments that will not fluctuate
  • No prepayment penalties
  • 0.25% discount for establishing automatic payments

 

Home Improvement Loans

Is it time to update your home?  Let us help.  With a home improvement loan you can add a new swimming pool or a new room, update or remodel your kitchen or bathroom, or update the exterior with landscaping and new paint.

Whatever your improvement needs, we can help.

  • Financing available up to 90 percent* of fair market value plus improvements
  • Term options include 5, 10, or 15 years*
  • Fixed-rate monthly payments that will not fluctuate
  • No prepayment penalties
  • 0.25% discount for establishing automatic payments


Home Equity & Home Improvement Specialists



Ashanti Harper

Ashanti Harper
Phone: (281) 476-3514
Fax: (281) 478-1291
NMLS ID#: 1232436
AHarper@acutx.org

Ethan West

Ethan West
Phone: (281) 476-3537
Fax: (281) 478-1237
NMLS ID#: 636457
EWest@acutx.org




Nicole Zornes

Nicole Zornes
Phone: (409) 942-1548
Fax: (409) 934-8748
NMLS ID#: 854469
NZornes@acutx.org





Contact Info

Loan Production Center
Phone: 800-848-0330
NMLS ID#: 480450
Email: loanproductioncenter@acutx.org



*Home Equity and Home Improvement Loans are subject to credit approval. Rates and terms subject to change without notice. Loans are available only on property in Texas. 15 year term requires loan amount of $50,000 or more.  Texas law requires a 12-day cooling-off period is required before Home Equity or Home Improvement Loans may be closed and there is a three-day Right of Rescission after closing before the funds may be disbursed. Total debts against the homestead are limited to 80 percent of its fair market value for Home Equity Loans and 90% of fair market value plus improvements for Home Improvement loans. Minimum loan amount is $20,000 for either loan.  Borrower will be responsible for closing costs. If required, these closing costs may include title insurance, appraisal fee and survey costs. Hazard insurance is required.
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