Home Equity Rates in Dallas, TX

Find the latest Home Equity rates for Dallas, TX Glossary Terms

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30K FICO-based home equity line of credit

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Rate
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Regions Bank Lender info

Regions Bank - $30K home equity line of credit

0.25% disc w/ auto debit after intro. No clsg costs on less $250K

All values are based on information provided. For an exact quote contact the lender.

Information provided by the institution. If the information is in error, please contact qualitycontrol@bankrate.com

Rate 11.40%

Phone: (800) 359-7061
Intro Rate:0.99%Rate After Intro:11.40%Max Loan to Value:80%Required Draw:$0Fri Jan 20
FICO Range: 639–850
Fees & Conditions:0.99%APR 6mo intro then var. APR applies. Now 4.5%-11.4%APR. More
Next Call
0.25% disc w/ auto debit after intro. No clsg costs on less $250K

BBVA Compass
Intro Rate:4.95%Rate After Intro:4.95%Max Loan to Value:80%Required Draw:$0Fri Jan 20
FICO Range: 700–850
Fees & Conditions:P+1.20% (3.50% floor); additional 1.00% disc available w/auto debit; $50 yrly fee; $10,000 min

Home equity tip

Figure out what the loan is for and how long you'll need the money to help decide which kind of loan you need. Home equity loans are better for single lump sum expenses while home equity lines of credit, or HELOCs, are best for prolonged expenses, like college tuition.

A home equity line of credit, or HELOC, has an adjustable rate of interest attached to paying it off, which means that your payments can fluctuate based on the federal funds rate. Think about a home loan if the idea of an adjustable rate unnerves you.

Know your loan-to-value, or LTV, ratio. This is how much you owe versus how much the home is worth. Many people are in trouble now because their homes dropped in value. You don't want to be stuck owing more than your house is worth.

Quality Assurance

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For an explanation of home equity terms, click here. These rates are updated weekly. For criteria used in surveys of rates above, click here. These quotes are from banks, thrifts, and credit unions, some of whom have paid for a link to their own Web site, where you can find additional information. Rates are subject to change without notice and may vary from branch to branch.

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