Home Equity Loans

Put your home’s equity to work for you.

You’ve invested a lot in your home. Make the investment work for you with a Home Equity Loan from FirstCapital Bank of Texas. Use a Home Equity Loan for whatever you need, whether it’s consolidating debt, taking a vacation or paying for your child’s college education.

And at FCB, your Home Equity Loan not only comes with a competitive fixed rate, but it also comes with personal attention from professionals who will work with you to create the loan terms that work best for your needs and budget.

With a Home Equity Loan from FCB, you’ll benefit from:

  • Generous loan amounts. Qualify and you can borrow up to 80% of your home’s appraised value in total loans. Want to use the loan to fix up your home? Consider our Home Improvement Loan and borrow up to 85% of your home’s value.


  • Competitive fixed rates.* You’ll have peace of mind knowing your interest—and monthly payment—will remain the same throughout the term of the loan. Better yet, the interest you pay may be tax deductible.


  • Flexible terms of available five, 10 or 15 years, so you’re comfortable with your monthly payments. And there’s no prepayment penalty, so you can pay off your loan earlier, if you like.


  • Personal attention—and fast answers—from your FCB banker. We’ll review your completed application and provide a conditional decision within one to two business days. Then we’ll work directly with you throughout the process so it runs smoothly from document preparation to closing.**
Ready to get started? So are we.

Simply complete the home equity application packet and bring it to your local branch. Want to know more first? Contact us or call 844.FCBTEXAS to speak with one of our NMLS qualified lenders.

Bank NMLS# 420266

*Estimated Example: A loan of $20,000 for 15 years at a simple interest rate of 6.24% would yield a payment amount of $171.42 per month and an annual percentage rate (APR) of 6.35%. This example payment amount does not include taxes and insurance, so the payment amount will be higher. Please consult your tax advisor about the loan interest that may be deductible. Rates are subject to change. Contact a personal banker for current rates.

**A12-day cooling off period is required by Texas law before home equity loans may be closed. There is also a three-day right of rescission after closing before the funds may be disbursed.

For a map of our lending trade territory, please click here.