Home Equity &
Home Improvement

Put the equity in your home to work for you.

What do you imagine for your home?

Get the ball rolling on whatever home improvement project you can imagine.

Add value to your home.

From simple repairs to remodeling projects, our Home Improvement Loans are a great alternative to high-rate credit cards and may result in potential tax savings.2

  • Use for simple repairs like roof replacement, fence repair, or HVAC replacement.
  • Use for upgrades to your home like a pool, gourmet kitchen or master bathroom.

Take advantage of your enhanced equity.

We will calculate your available equity based on the value of your home plus a portion of the improvements so you can borrow for even the biggest projects.

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Secured

You can borrow up to 90% of your home’s equity for terms up to 240 months. 

Unsecured

Enjoy a fixed-rate unsecured loan option for necessary home repairs for terms up to 60 months.

No Closing Costs1

Save hundreds of dollars on fees.

No Prepayment Penalties

Pay your loan off early without incurring a penalty.

.50% APR Discount with Automatic Payment3

Receive .50% off our great low rates when your loan payment is automatically debited from your LegacyTexas checking account.

Flexibility. Super Rate.

A LegacyTexas Home Equity Loan is a smart choice for homeowners who want to:

  • Pay for education
  • Consolidate debt
  • Pay for a dream vacation
  • Cover the cost of memorable events

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No Closing Costs1

Save hundreds of dollars on fees.

No Prepayment Penalties

Pay your loan off early without incurring a penalty.

Borrow up to 80% at a Fixed Rate

Access more of your home’s equity and enjoy potential tax savings for terms up to 240 months.2

.50% APR Discount with Automatic Payment3

Receive .50% off our great low rates when your loan payment is automatically debited from your LegacyTexas checking account.

A safety net for accessing extra cash when you need it.

In the event of unexpected expenses or opportunities, a variable rate Home Equity Line of Credit is a great way to access cash quickly.

  • Pay unforeseen medical bills
  • Cover the cost of memorable events
  • Pay for education
  • Buy a second home

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Great Alternative to a Credit Card

Home Equity rates are often lower than credit card rates. Additionally, the interest on your Home Equity Line of Credit may be tax deductible.

No Prepayment Penalties

Pay your loan off early without incurring a penalty.

Withdraw Money as Needed

You can withdraw as little as $4,000 at a time for the first 10 years.

Competitive Rate

You can borrow up to 80% of your homes value at a competitive low rate. 

Get Priority Service & Lower Loan Rates4

Working with one of our Preferred Partners means preferred loan rates, a quick response and more purchasing power when financing your home improvements. Just see for yourself.

View Preferred Partners

Discounts up to .75% off the posted rate.3 4

If you use one of our Preferred Partners, you’ll automatically receive .25% off the posted rate. And if you have your payment automatically debited from a LegacyTexas checking, you’ll get an additional .50% off the rate.

Receive your answer within one business day

We don’t want to hold up the excitement of starting your home improvement project so you’ll have your answer fast.

Simplified application

We offer three easy ways to apply – online, in person or over the phone. 

LegacyTexas Financial Calculators, supplied by Fintactix, are for informational and educational purposes only. You will need to evaluate the merits and risks associated with relying on any information provided. By using this feature of the LegacyTexas website, you acknowledge your understanding and acceptance of the terms of its use.

Get Started

If you’re ready to apply for a home equity or home improvement loan, we'll work with you, answer all your questions and keep you informed every step of the way.

Apply Now