Home Equity Loans

Home Equity Loan

For home improvements, college tuition, or unexpected purchases, the equity in your home is a cash reserve you can draw on at any time. Borrow up to 80% of the appraised value of your homestead. With a low, fixed rate of interest and a term of up to 15 years, this loan is perfect for one time expenses, debt consolidation, and more.

Home Improvement Loans

New Home Improvement Alternative NEW

Summer time is the best time for home improvements!  Putting in a pool, adding a room or replacing air-conditioning equipment are all worthy projects around your home.  Except that the process to obtain traditional home equity and home improvement loans can be tedious and confusing.  That’s why Smart Financial now offers the Instant Home Improvement Loan (IHIL).

With a fast and easy application process, the IHIL is an easy way to obtain funds for your home improvement needs. 

Check out these benefits:

• Up to $20,000
• Funds directly to you instead of contractors
• Easy application process
• Low rates
• No fees

For more information or to apply for your Instant Home Improvement Loan, please call Member Services or visit your favorite Smart Financial location.

Traditional Home Improvement Loan

If you’re planning to do major renovations or improvements to your home, you may want to consider a traditional home improvement loan.  Let Smart Financial help you create your dream house.  Be sure to speak with us before you start any work!

*It is important to note that Texas laws are very strict regarding loans secured by Texas homestead, so this information is only general.  We suggest you consult your financial or tax advisor with regards to your specific situation.