Home Equity & HELOC

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HELOC and Home Equity Loan Options to Further Houstonians’ Financial Goals.

At Central Bank, we know some of life’s biggest moments — and most-needed purchases — carry hefty price tags. Alternative financing in the form of a home equity loan or home equity line of credit (HELOC) can provide a safe, secure path to success. Whether you’re taking steps to open a business, tackling your next home improvement project, paying off student loans or taking on another major expense, our mortgage experts are on your side and here to help.

We take time to get to know you, understand your goals and craft a custom approach that suits your unique needs and budget. With friendly service, affordable HELOC and home equity loan rates, and lending decisions made right here in Houston, it’s banking centered around you.

Home Equity Mortgage & HELOC Loan Tools & Resources

Rate Sheet & Disclosures

Loan Requirements

Eligibility and General Requirements:

Borrower must own the property
Property must be borrower's primary residence
Property: single family dwelling

General Credit/Underwriting Requirements:

Debt to income ratio <43% or less
Combined loan to value under 80%
Credit score >700

Stable and sufficient income and assets to repay current debt obligations and new loan

Central Bank makes HELOC Loans Easy

Note : Central Bank no longer offers home improvement loans

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Turn to Central Bank for a Home Equity Term Loan

Home Equity Term loans must be in Houston Metro Area

Note ; central Bank no longer offers home improvement loans