LOANS AND CREDIT


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Loans And Credit / Home Equity Loans

If you're looking to consolidate your bills, fund your child's college tuition, or even plan the wedding of your dreams, TBACU'S Home Equity Loan is a cost effective way to make your home's value to work for you!

Home Equity Basics

______________ X 80% - ______________ = _______________
Fair Market Value*
All Existing Liens
Equity Available

Closing Costs  =  Recording Fees are approximately $52.00
$300.00 appraisal fee if loan exceeds $200,000.00. Appraisal fee may exceed $300.00 depending on the location of the property.
Closing Date  =  Loan may not close earlier than 12 days after the application and "Texas Home Equity Consumer's Disclosure" is received by the Credit Union.
Funding Date  =  Loan may not be funded until three business days after the loan has been signed.

*Fair Market Value will be determined by a Certified Appraiser (tax appraisals may be used for loans under $200,000).

For more information about TBACU or to find out how you can join, please call 713-852-6700 or 800-577-3164, visit any branch office or e-mail us.

To apply for membership please contact us.

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