Use Your Home's Equity

Open the door. And find new financing opportunities. Get Started

Use Your Home's Equity

Open the door. And find new financing opportunities. Get Started

Get More from Your Home

For most, a home is your largest financial investment. And if it’s worth more today (the appraised value) than what you owe on your mortgage (your loan’s balance), you’ve got equity you may be able to use. There are even potential tax advantages. The key is to borrow smartly and sensibly based upon your current and future needs. 

We offer two options, each with different features and benefits. Typically, HELOCs are used for smaller, shorter-term expenses; while a home equity loan is used for larger, longer-term financing needs. Learn more about each one or contact a mortgage lender to help determine what’s right for you (and your equity).

Ready to Get Started?


Compare Your Options

a couple looking at ANBTX's Home Equity Line of Credit

Home Equity Line of Credit (HELOC)

Use for emergencies, medical expenses, or short-term financing needs, a HELOC is a revolving line of credit that provides a flexible lending solution similar to a credit card.

  •  Use your home's equity as collateral
  • Withdraw as much (or as little) as you need
  • Receive a variable interest rate
  • Pay interest only on the amount you use 
  • Use funds again and again without reapplying
  • Pay no title search fee or closing costs
  • May be able to deduct interest, if applicable (consult a tax advisor for details)*
  • 10-year draw period ($4,000 minimum draw); 20-year repayment period

a woman measuring a wall

Home Equity Loan

Use for planned expenses, such as debt consolidation, education,  or larger financing needs, a Home Equity Loan is an installment loan that provides a consistent lending solution.

  •  Use your home's equity as collateral
  • Enjoy a convenient lump-sum payment 
  • Receive a fixed interest and reliable monthly payment 
  • Pay consistent monthly amount for set period
  • Pay no title search fee or closing costs
  • May be able to deduct interest, if applicable (consult a tax advisor for details
  • Terms of 5, 10, or 15 years

Always on the House

  • Low rates and flexible terms
  • Easy online application
  • Quick decisions and processing
  • Local lending team serving your community

a father and son playing in their new house

How Can We Help?

Contact us to talk more about our mortgage solutions.