Best TX HELOC RatesTexas Home Equity Line of Credit Rates

Compare home equity line of credit (HELOC) rates in Texas

(Last Updated: 04/23/2026)
Home Equity Lenders
APR
Rate
Initial Draw
 Contact details
6.828% Intro APR
6.828% After Intro PeriodIntro Period: 0 months		 6.828% Rate $25,000 Min. Initial Draw Amount
Conditions:
NMLS #2611: NMLS consumer access. For licensing information, please go to www.nmlsconsumeraccess.org. Owning Home Equity Line of Credit is available in AK, AL, AR, AZ, CA, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, LA, MA, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WY. Equal Housing Lender Owning HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. The Owning Home Equity Line of Credit is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Rates displayed reflect first lien mortgage pricing and may not apply to second lien products. Advertised rates are based on top-tier credit profiles (typically FICO scores of 800+), even within broader credit categories shown. All rates and terms are subject to qualification, including a maximum combined loan-to-value (CLTV) of 50%, and may vary based on individual borrower profile and loan scenario. Owning is a division of Guaranteed Rate, Inc, NMLS #2611 Headquarters: 3940 N Ravenswood, Chicago IL 60613
  • Apply in 5 minutes, get your money in as fast as 5 days.
  • Digital application experience.
  • Funds directly to your bank account.
  • No in-person appraisal needed.
6.831% Intro APR
6.831% After Intro PeriodIntro Period: 0 months		 6.831% Rate $25,000 Min. Initial Draw Amount
Conditions:
NMLS #2611: NMLS consumer access. For licensing information, please go to www.nmlsconsumeraccess.org. Guaranteed Rate Home Equity Line is available in AK, AL, AR, AZ, CA, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, LA, MA, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WY. Equal Housing Lender A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and government fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Rates displayed reflect first lien mortgage pricing and may not apply to second lien products. Advertised rates are based on top-tier credit profiles (typically FICO scores of 800+), even within broader credit categories shown. All rates and terms are subject to qualification, including a maximum combined loan-to-value (CLTV) of 50%, and may vary based on individual borrower profile and loan scenario.
  • Nation's #2 retail mortgage lender in 2024.
  • Apply in 5 minutes, get your money in as fast as 5 days.
  • Digital application experience.
  • No in-person appraisal needed.
Access your home’s equity without replacing your current mortgage
Conditions:
Refi.com does not offer Home Equity Line-of-Credit (HELOC) or Home Equity Loans; HELOC and Home Equity Loans are independently underwritten by third-party lending partners and are subject to their terms and conditions. Refinancing may result in higher finance charges over the life of the loan. Not available in all states. Refi.com is a DBA of Mortgage Research Center, LLC. NMLS #1907 (www.nmlsconsumeraccess.org) 1930 W Bennett St., Suite 100, Springfield, MO 65807 Equal Housing Opportunity.
  • Access your home’s equity without replacing your current mortgage
  • Put your home’s equity to work on your terms
  • Flexible funds for renovations, debt consolidation, or major expenses
  • Refi.com connects you with home equity lending specialists
Home Equity Loans & Refinance – Cash out
Conditions:
• Home Equity Loans & Refinance – Cash out • Customized rate quote with no impact to credit • Low Rates, Quick Approvals, Wide Range of Products • Over 100 Billion Funded. 22 Years in Business
  • Home Equity Loans & Refinance – Cash out
  • Customized rate quote with no impact to credit
  • Low Rates, Quick Approvals, Wide Range of Products
  • Over 100 Billion Funded. 22 Years in Business
9.500% APR 9.500% Rate $0 Min. Initial Draw Amount
4.990% Intro APR
7.500% After Intro PeriodIntro Period: 6 months		 7.500% Rate $0 Min. Initial Draw Amount
7.250% APR 7.250% Rate $0 Min. Initial Draw Amount
7.000% APR 7.000% Rate $0 Min. Initial Draw Amount
6.750% APR 6.750% Rate $4,000 Min. Initial Draw Amount
5.990% Intro APR
8.610% After Intro PeriodIntro Period: 6 months		 8.610% Rate $100,000 Min. Initial Draw Amount
4.990% Intro APR
8.625% After Intro PeriodIntro Period: 6 months		 8.625% Rate $0 Min. Initial Draw Amount
8.150% APR 8.150% Rate $0 Min. Initial Draw Amount
7.250% APR 7.250% Rate $5,000 Min. Initial Draw Amount
7.750% APR 7.750% Rate $0 Min. Initial Draw Amount
6.890% Intro APR
7.750% After Intro PeriodIntro Period: 9 months		 7.750% Rate $0 Min. Initial Draw Amount
7.490% APR 7.490% Rate $0 Min. Initial Draw Amount
7.500% APR 7.500% Rate $0 Min. Initial Draw Amount
8.000% APR 8.000% Rate $0 Min. Initial Draw Amount
5.990% Intro APR
8.250% After Intro PeriodIntro Period: 6 months		 8.250% Rate $0 Min. Initial Draw Amount
4.990% Intro APR
8.450% After Intro PeriodIntro Period: 6 months		 8.450% Rate $0 Min. Initial Draw Amount
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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