Home Equity and Home Improvement Loans :: Loans

You don't have to move to own your ideal home. Just imagine: 

• Cooking in your new gourmet kitchen
• Family fun in a new pool
• Relaxing in a spa-like bath
• Your fix-up projects finally fixed

Plus, there are more benefits:
Interest rate savings. Typically youll have a lower
interest rate than the rate youll pay on a credit card or non-secured debt.

Tax Deduction.³  Unlike interest you pay on credit cards or other personal loans, the interest on a home equity loanis generally tax deductible.

Flexibility. Super Rate. Easy Online Application. Use your home equity loan to repair your home, consolidate debt, fund your education, and much more.

• No closing costs²
• No prepayment penalties
• Borrow up to 80% of equity
• Fixed Rate
• Relationship discounts apply
• Plus, potential tax savings³

Secured

Gourmet kitchen. Spa bath. Refreshing pool. What do you imagine for your home? Get the ball rolling on whatever home improvement project you can imagine with a loan from ViewPoint Bank.

• Fixed monthly installments
• Highly competitive rates
• Borrow up to 90% of equity
• Fixed Rate
• Relationship discounts apply
• Plus, potential tax savings³

Unsecured**

Did spring winds wreak havoc on your fence and roof? Or did your hot water heater decide you needed an indoor pool? Instead of reaching for a high rate
credit card, try ViewPoint Bank's unsecured Home Improvement Loan.

• Terms up to 60 months
• No closing costs
• Competitive fixed ratesbetter than most credit cards
• Not tied to home value or equity, and funds are immediately available

Borrow now. Or borrow later. (Like a credit card, but better.)

• No prepayment penalties
• Withdraw as little as $4,000 at a time
• Plus, potential tax savings³

(1) APR = Annual Percentage Rate. Lowest rate includes a .50% rate discount when loan payment is automatically debited from a ViewPoint account. Lowest rate available on loan amounts up to $250,000 and up to a 60-month term. Rate quoted as of March 17, 2014, and is subject to change without notice. Payment example: $25,000 for 60 months at 4.99% APR = $471.68. Payment does not include property taxes and insurance if required. Normal credit standards apply. 

(2) No closing costs to borrower on most first liens under $100,000 and most second liens under $250,000. Borrower is responsible for appraisal cost on Home Equity Lines of Credit. A title policy is required on first liens $100,000 and over and second liens $250,000 and over. Loans not closed at a ViewPoint Bank location must be closed at a title company. Borrower is responsible for costs associated with closing a loan at a title company.

(3) Consult your tax advisor regarding the deductibility of interest..

Normal credit standards apply. All terms and conditions subject to change without notice.

*Home Equity Loans Up to 80% Combined Loan-to-Value (CLTV). Limited to one-to-four family units located in the state of Texas. Subject to property valuation. Proof of current property insurance is required. Existing ViewPoint Bank Home Equity Loans may only be refinanced if the loan size is increased. Other restrictions on property may apply.

**Unsecured Home Improvement Loans Minimum loan amount of $2,500.
Payment Example: $2,500 for 60 months at 9.49% APR = $52.49 per month.