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Home Equity Lending

Qualify for a loan or line of credit based on your available home equity

Home Equity Lending Overview

Qualify for credit just for being a homeowner.

If you own your home, you could qualify for a loan or line of credit to spend however you want. You’ll qualify based on the amount of equity in your home.

Use this credit however you like—to make a big purchase, take a vacation, use for your child’s college education, and more.

Our lending team will work to understand your needs and outfit you with the perfect solution. 


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Here's what you need to know.

Home Equity Lending

  • No annual fees 
  • Competitive rates
  • Quick, easy application process
  • Local loan approvals
  • Term loans and lines of credit available


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Important Information for Texas Residents: Texas laws impose certain restrictions on loans and lines secured by a lien on your home. In Texas, each individual advance from your line of credit must be in an amount of at least $4,000. The maximum amount of your new home equity line or loan, when combined with the dollar amount of all other liens on your home, may not exceed 80% of the fair market value of your home on the date your home equity line or loan is made.  Only one home equity line or loan is allowed on the home at a time and no more than one home equity line or loan may be made on the home within a 12-calendar month period.  Overdraft options and check access is not available in Texas. Other restrictions apply.  See banker for details.

Looking to make a big purchase but prefer to hold onto your cash? b1BANK’s Secured Loans allow you to do just that.

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