Home Equity loans

Home Equity Loans: Put Your Home’s Value to Work

Your home is more than a place to live — it’s one of your most powerful financial tools. A home equity loan allows you to borrow against the value you’ve built, giving you access to cash with fixed rates, predictable payments, and flexible uses.

Whether you’re planning a renovation, consolidating high-interest debt, or covering a major expense, a home equity loan can be a smart, affordable way to borrow.

What Is a Home Equity Loan?

A home equity loan lets you borrow a lump sum based on the equity in your home - the difference between what your home is worth and what you owe on your mortgage. You repay the loan over a set term with a fixed interest rate, making your monthly payment easy to budget for.

In simple terms:
You use the value you’ve already built in your home to fund what’s next.

Why Choose a Home Equity Loan?

Home equity loans are popular because they offer stability and flexibility. Key benefits include:

  • Fixed interest rates for predictable monthly payments

  • Lower rates compared to many credit cards and personal loans

  • Flexible terms to fit your budget and goals

  • Funds for almost any purpose, including:

    • Home improvements or repairs

    • Debt consolidation

    • Medical expenses

    • Education costs

    • Major life events

Because your home secures the loan, rates are often more competitive — helping you borrow smarter.

How Much Can You Borrow?

Your available loan amount depends on factors such as:

  • Your home’s current value

  • Your existing mortgage balance

  • Your credit profile and income

Our lending team works with you to determine how much equity you can access and what payment options make sense for your financial situation.

Home Equity Loan vs. Other Financing Options

A home equity loan is ideal if you prefer stability and structure. Unlike variable-rate options, your rate and payment stay the same for the life of the loan. No surprises, no guesswork.

If you’re planning a defined project or want to consolidate debt into one manageable payment, a home equity loan may be the right fit.

Simple Application. Personal Support.

Getting started is easy. Our process is designed to be clear, straightforward, and supportive from start to finish. You’ll get guidance from local experts who take the time to understand your goals, not just your numbers.

Ready to Unlock Your Home’s Equity?

If you’re ready to turn your home’s value into opportunity, a home equity loan could be the next smart step.

Apply today or connect with our lending team to explore your options and see how much equity you may be able to use.

Check out our Loan Rates!

Fort Worth City Credit Union can help you with a mortgage for your house!
 
 
Apply for a home equity loan at Fort Worth City Credit Union!
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Main Branch

2309 MONTGOMERY ST
FORT WORTH, TX 76107

Main Lobby Hours of Operation:
Mon-Thurs: 9:00am - 5:00pm
Friday: 8:00am - 5:00pm
Saturday: 9:00am - 12:00pm
Sunday: Closed

Drive Thru Hours of Operation:
Mon-Fri: 7:30am - 6:00pm
Saturday: 9:00am - 12:00pm
Sunday: Closed

Virtual Branch Hours of Operation:
Mon-Fri: 7:30am - 6:00pm
Saturday: 8:30am - 12:00pm
Sunday: Closed

Routing Number: 311981669