Referred By
Matt Campos
Director, DSCR
Crebrid
Texas Home Equity Line of Credit
Tap Into Your Equity.
Keep Your Rate.
Borrow $25,000–$750,000 against your home equity without touching your existing mortgage. Primary residences, second homes, and investment properties.
$25K–$750K
Loan Range
Up to 80%
Max CLTV
600+
Min. Credit Score
3–12 Days
Avg. Close Time
Why a HELOC?
Problems a HELOC Solves
Your home has built-in financial power. Here’s when a HELOC is the right tool.
Fund Your Next Real Estate Deal
Draw from your primary or existing rental equity and deploy it as a down payment on your next acquisition — without selling assets or waiting years to save.
Keep Your Current Mortgage Rate
Locked into a low first mortgage rate? A HELOC taps your equity as a second lien without disturbing your existing loan — no refinance, no rate reset.
Revolving Credit Line
Draw, repay, and redraw as opportunities arise. A HELOC stays open for the draw period — ready capital when the right deal appears.
Debt Consolidation
High-interest credit card or bridge debt dragging down your cash flow? Consolidate at a significantly lower rate and free up monthly income.
Home Improvements
Renovate to force appreciation or increase rental value — funding improvements from the equity of the asset itself.
Only Pay for What You Use
Draw only what you need and pay interest on that amount only — not the full credit line. Keep the rest available for the next opportunity.
The Bottom Line
A credit line backed by your home — at a fraction of the rate.
HELOCs typically carry rates far below personal loans or credit cards, with the flexibility to use funds on your timeline.
What You Get
Four Reasons Texas Homeowners Choose a HELOC
Flexible, affordable, and structured to work alongside your existing mortgage — not against it.
Ultimate Flexibility
Draw funds as you need them during the draw period. Pay interest only on what you borrow. Repay and redraw as your needs change.
Lower Rates
HELOCs are secured by your home, giving you access to rates dramatically lower than credit cards, personal loans, or unsecured lines.
Consolidate Debt
Roll high-interest debts into one low monthly payment. Simplify your finances and redirect money toward what matters.
Finance Major Projects
Down payments, renovations, investment opportunities — access large sums without disrupting your existing first mortgage.
Track Record
Proven Results.
Clear Impact.
Our lending partner’s two-decade history closing HELOCs across Texas — primary residences, second homes, and investment properties.
7,000+
Homeowners Helped
$1B+
HELOCs Originated
3–12
Days to Close
20+
Years Experience
Client Reviews
Working With Best Suited Mortgage
“Best Suited Mortgage made the HELOC process painless. I kept my 3% mortgage rate and still got the cash I needed for my renovation. Closed in less than 3 weeks.”
Michael D.
Austin, TX — Primary Residence
“Used the equity in my primary home as the down payment on my first rental. The process was fast and straightforward — exactly what I needed to get started.”
Sandra R.
Dallas, TX — Primary Residence
“Three banks told me Texas law wouldn't allow a HELOC on my rental. Best Suited got it done in 68 hours. Used it as the down payment on my next property.”
James T.
Houston, TX — Investment Property
The Process
Three Steps to Your Credit Line
No surprises. Fast closings. You’ll know your rate and terms before anything is finalized.
Apply Online
Complete the lender's quick application in minutes. Tell them about your property, estimated equity, and what you need the funds for.
Get Pre-Qualified
They review your credit, property value, and equity position. Receive your terms — loan amount, rate, and draw period — fast. No hard credit pull.
Get Approved & Draw
Close in as little as 3–12 days (72 hours for investment properties). Access your credit line immediately and draw funds whenever you need them.
Live Rate Pricer
See Your Rate by LTV
Variable rate · 5-year interest-only draw
Rates effective May 6, 2026
Estimates for reference only. Subject to change. Final rate depends on verified credit, appraisal, and underwriting. WSJ Prime = 6.75%.
Select property type, credit score, and home value
to see available rate tiers.
Program Details
HELOC Terms at a Glance
Straightforward terms, no hidden fees, and a fast path to funding.
Loan Amounts
$25,000 – $750,000
Primary CLTV
Up to 80% (TX)
Investment CLTV
Up to 80% (TX)
Draw Period
5-Year Interest-Only
Closing Timeline
3–12 Days (72 hrs for Rental)
Property Types
Primary, 2nd Home, Investment
Ready to see your numbers?
Apply now and get your terms instantly.
Pre-qualification does not affect your credit score.
Common Questions
Texas HELOC FAQ
Everything you need to know before you apply.
Ready to Get Started?
Apply Directly with Our Lending Partner
The fastest path to your HELOC. Complete the lender application in minutes and get your terms the same day.
Apply Now — It's FreePre-qualification will not affect your credit score
Or have a question first?
Talk to a Specialist
Leave your info and we'll reach out within one business day.
Get Started Today
Expert HELOC guidance
across Texas.
Referred by Matt Campos · Crebrid
Powered by Best Suited Mortgage · NMLS #2622691
Ready to Apply?
Check your eligibility now.
No hard credit pull · Pre-qualification is free