What can we help you with?

Skip Navigation LinksLoanTypesPrograms–Home-Equity-Loans

Skip Navigation LinksGo Colonial > Home Equity Loans

​​Home Equity Loans

​Home Equity Loans


​Home equity loans offer a wide variety of amortization periods, which is the length of time allowed to pay back a loan. The interest rate is fixed, so your rate can never go up. The interest paid may be tax deductible.* Contact our Home Loan Center for complete details.


  • Loans from $20,000 - $200,000
  • Maximum Loan-to-Value = 80%
  • 700 minimum FICO for existing Colonial customers and 720 minimum FICO for applicants who are not currently Colonial customers
  • No closing costs to $100,000 unless appraisal is required
  • Title policy and Title closing fees are needed for loans above $150,000
  • 43% max Debt-to-Income ratio
  • Available for cash out or limited cash out
  • Available for all Texas homeowners
  • Applicants from other states** must be a current Colonial customer

*Consult your tax advisor

** Not available in AZ, FL, MA, NV, OK and NY​


Apply Online Today​


​​Need more info?


Request a call​​​

© Copyright 1997-2020 Colonial Savings, F.A. All Rights Reserved. Bank and mortgage rates and terms subject to change without notice. This is not an offer to extend consumer credit as defined by Section 1026.6 of Regulation Z. Insurance products issued by Colonial Life Insurance Co. of Texas and DuBose and Associates Insurance are not insured by the Federal Deposit Insurance Corporation. Insurance products are not issued, guaranteed or underwritten by Colonial Savings, Colonial National Mortgage or the FDIC. Insurance products may involve investment risk, if appropriate, including potential loss of principal.

Privacy Policy Equal Housing Lender FDIC
NMLS 401285
Colonial Banking Home Loans and Insurance logo

Business Address: 2600 West Freeway, Fort Worth, Texas, 76102, US
Tel: 817-390-2380 | Email: csmarketing@colonialsavings.com.
Business hours are and
Colonial Rated 3.9 / 5 based on 115 reviews.