Home Equity Loans*

Flexibility. Super Rate. Easy Online Application. (What are you waiting for?) Use your home equity loan to repair your home, consolidate debt, fund your education, and much more.

• No fees or closing costs²
• No prepayment penalties
• Relationship discounts apply
• Plus, potential tax savings³

We also offer Home Improvement Loans!

Secured

Dazzle the dining room. Make your living room a lounge. Think Home Improvement Loan.

• Fixed monthly installments
• Highly competitive rates
• Relationship discounts apply
• Plus, potential tax savings³

Did spring winds wreak havoc on your fence and roof? Or did your hot water heater decide you needed an indoor pool? Instead of reaching for a high rate credit card, try ViewPoint Bank's new unsecured Home Improvement Loan.

• Borrow up to $15,000
• Terms up to 60 months
• No closing costs
• Competitive fixed rates—better than most credit cards
• Not tied to home value or equity, and funds are immediately available
• Relationship discounts apply

Home Equity Lines of Credit

Borrow now. Or borrow later. (Like a credit card, but better.)

• No fees or closing costs² 
• No prepayment penalties
• Withdraw as little as $4,000 at a time
• Plus, potential tax savings³

Resources

• What you should know about Home Equity Lines of Credit
• Consumer Handbook on Adjustable-Rate Mortgages  
   

(1) APR = Annual Percentage Rate. Lowest rate includes 0.25% checking relationship and 0.25% automatic payment discount. Rates subject to change without notice. Rate quoted as of January 5, 2012.

(2) No fees or closing costs to borrower on second liens under $100,000 and first liens under $75,000. A title policy will be required on first liens over $75,000 and second liens over $250,000.

(3) Consult your tax advisor regarding the deductibility of interest.

Normal credit standards apply. All terms and conditions subject to change without notice.

*Home Equity Loans – Up to 80% Combined Loan-to-Value (CLTV). Limited to one-to-four family units located in the state of Texas. Subject to property valuation. Proof of current property insurance is required. Existing ViewPoint Bank Home Equity Loans may only be refinanced if the loan size is increased. Other restrictions on property may apply. Payment Example: $10,000 for 60 months at 5.50% APR = $191.01 per month.

**Unsecured Home Improvement Loans – Minimum loan amount of $2,500.
Payment Example: $2,500 for 60 months at 9.49% APR = $52.49 per month. 

Click here to find out what home improvement projects get the biggest return.

Interest rate savings.
Typically, you'll have a lower interest rate on average than the rate you'll pay on a credit card or non-secured debt.

Tax deduction.
Unlike interest you pay on credit cards or other types of personal loans, a home equity loan's interest can generally be tax deductible. Consult your tax advisor.

Find out how much equity you have available.

How much loan can you afford?

Estimate your monthly payments.

Should you consolidate your debt?

Determine your real estate ROI.