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Get an estimated payment and rate for a home equity line of credit

Estimate your home's value
Find out what you owe
Investment properties
ZIP code finder
Minimum & maximum amounts
Initial withdrawal

Your home equity rate and payment information will partly be determined by the amount of money you're thinking of borrowing. Our easy-to-use home equity payment calculator can help you estimate what your monthly payment could be.

Minimum & maximum amounts

Our minimum loan amount is $25,000.

Our maximum loan amounts and available equity requirements vary by property type.

Primary residence:

  • For lines of credit up to $500,000, we will lend up to 85% of the total equity in your home for a new HELOC secured by a first or second lien. For Texas primary residences, we will lend up to 80% of the total equity in your home and your line of credit amount cannot exceed 50% of the home’s value.
  • For line amounts greater than $500,000, maximum combined loan-to-value ratios are lower and certain restrictions apply.
  • Maximum loan amount for primary residences is $1,000,000.

Second/Vacation home:

  • For lines up to $100,000, we will lend up to 80% of the total equity in your home.
  • For line amounts greater than $100,000, maximum combined loan-to-value ratios are lower and certain restrictions apply.
  • Maximum loan amount for second/vacation homes is $500,000.

Certain asset levels are required on line sizes greater than $500,000.

Note, on certain refinance transactions we may lend up to 100% of the total equity in your home. Please contact a Home Equity Specialist at 800.284.6302 for more details.

Find out what you owe

Add all of your outstanding loan balances to find out what you owe on your property. Possible property loans you could have include:

  • Mortgage
  • Home equity lines of credit
  • Home equity loans
  • Other liens

Investment properties

We aren’t able to offer home equity lines of credit on investment properties at this time.

Initial withdrawal

Cash you need now is the amount of money you would like to withdraw when you open your line of credit. This would typically be money to pay for major expenses, pay down existing debt or other needs.

The amount you withdraw when your account is opened may qualify you for a lower interest rate on your overall line of credit.