A HELOC can help
Your home equity can help you make the purchases you want or even finance unanticipated expenses.
6.89% intro APR fixed for the first 9 months with a variable APR from 7.65% to 11.25% APR thereafter.
For a limited time, new HELOC clients get a special APR, no origination fees, closing costs, or third-party fees, when you qualify.

Home Remodeling
Further increase the value of your home by drawing on your own equity for a remodel. As you repay your balance every month, the amount available for future borrowing needs is replenished.

Educational Costs
Financing an education is no easy task. If you are paying for your child's education or paving a new path for yourself, a HELOC can help consolidate student financing or previous debt.

Priceless Moments
Every family has major expenses. When it's time to pay for life's priceless moments from weddings to dream vacations, a HELOC can help as an alternative to high-interest credit cards.

Unexpected Expenses
Leave behind high rates on credit cards or set aside cash for life's unexpected moments. From busted pipes to broken down vehicles, be ready for whatever life throws at you.
Which Home Equity Line of Credit is right for you?
When you’re planning to take a Home Equity Line of Credit, you want options. We offer Interest Only and Principal and Interest options. To make the right choice, learn more about each option.
Repayment option comparison | Interest only | Principal & Interest |
---|---|---|
Lower monthly payments during draw period | ||
Interest savings over the life of the loan | ||
Required payment of interest only for the first 10 years | ||
20-year amortization/repayment period | ||
View account details, make payment, and draw funds through Digital Banking | ||
Max LTV |
80% |
80% |
Interest only
Features
- Lower monthly payments during draw period
- Required payment of interest only for the first 10 years
- 20-year amortization/repayment period
- View account details, make payment, and draw funds through Digital Banking
- 80% Max LTV
Principal & Interest
Features
- Interest savings over the life of the loan
- 20-year amortization/repayment period
- View account details, make payment, and draw funds through Digital Banking
- 80% Max LTV

What do you need to apply?
Have the following information handy to complete the process:
- All applicants present
- Your personal and contact information
- Your employment information
- Be at least 18 years of age
- Your property and mortgage information
- Your debt or refinance loan information
How to Get Started
Apply Online
Complete the online application in 15 minutes.
Work with a HELOC specialist
If approved, you'll receive an email from us with a link to upload the requested documents; a HELOC specialist from your local branch will contact you to answer questions or retrieve additional information.
Close on your HELOC
Lock in the rate and close on your HELOC at the nearest Amegy Bank branch location.
Start now and benefit from the equity in your home.
We can help guide you through the steps you need to complete your application and get the money you want.
Frequently Asked Questions (FAQs)
What is a HELOC?
Also known as a Home Equity Line of Credit, a HELOC is a revolving line of credit secured by the borrower's primary residence, second home, or rental property. For Texas it is only applicable to a primary residence.
How does a HELOC work?
A HELOC is a revolving line of credit that a borrower can draw and repay over a 10-year draw period. At the end of the draw period, the outstanding balance will be converted to a 20-year amortized repayment term.
A borrower can access up to the available line amount which is typically the available equity up to 80% LTV. (LTV is the Loan-To-Value ratio. It is the amount of the loan compared with the value of the property.)
How long does it take to get a HELOC?
Typical processing time takes between 30 to 45 calendar days after you apply and have received all necessary disclosures.