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Home Equity Lines of Credit
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Last Updated: 04/18/2025

ETPCU Home Equity Lines of Credit

in Home Equity Lines of Credit from East Texas Professional Credit Union

Last Updated: 04/18/2025

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Credit Score Range

N/A

Amount Range

N/A

Maximum LTV

80%

Minimum Draw

N/A

Loan Term (Years)

Up to 20
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ETPCU Home Equity Lines of Credit Review

ETPCU Home Equity Lines of Credit is offered by East Texas Professional Credit Union , a credit union founded in 1953 and based in Longview, TX. ETPCU Home Equity Lines of Credit are available in 50 states and Washington, DC.

Key Takeaways

  • No primary residences considered. ETPCU Home Equity Lines of Credit does not offer financing for primary homes.
  • Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
  • Maximum LTV. ETPCU Home Equity Lines of Credit has a maximum loan to value ratio of 80%.

ETPCU Home Equity Lines of Credit Pros & Cons

ETPCU Home Equity Lines of Credit FAQ

How much can you borrow with a HELOC?

HELOCs are lines of credit secured by your home. Once approved, you can access funds by check, phone, credit card, or online up to your credit limit.
Borrowers can apply for lines of credit of up to $500,000. The maximum amount depends on property value, existing mortgage balance, and creditworthiness.
The maximum loan-to-value (LTV) ratio goes up to 80%. This means total debt secured by the property cannot exceed this percentage of its value. For example, on a $100,000 home with a $20,000 mortgage balance, you may qualify for up to $60k in credit.

Is there a minimum draw requirement?

No, there is no minimum draw requirement.

What fees does ETPCU Home Equity Lines of Credit charge for a HELOC?

ETPCU Home Equity Lines of Credit may charge an origination fee.

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Contact

Headquarters

409 E Loop 281
Longview, TX 75605
(800) 256-5009
Visit Site
Email Support

Hours of Operation

Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
9:00AM - 5:00PM

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