Celebrating a big event or planning a once-in-a-lifetime trip? With rates as low as 3.84% APR¹, you can do more with a Home Equity Loan from Firstmark! Accessing funds from your home’s equity helps you finance all your planned and unexpected expenses.

  • Consolidate high interest debt
  • Finance higher education dreams
  • Remodel the master bedroom or add a home office
  • Take a dream vacation

A Home Equity Loan offers you solutions to help make milestones happen!

Apply Now

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Unlock A Lower Rate

With the Power of the Dollar™ Plus checking account, you can lower your home equity loan rate by .25%.

Apply online today and enjoy the benefits!

  • Rates as low as 3.84% APR¹ for a 36-month term or a 60-month term as low as 3.90% APR
  • No closing costs or fees2
  • Expert Advice and Assistance
  • 300-month maximum term

Members with a current home equity loan can apply as long as the home equity loan is older than 12 months. Among other benefits, our Home Equity Loan can be used to:

  • Consolidate debt
  • Tackle a remodel
  • Pay for a child’s school or college tuition
  • Pay for other big expenses like medical bills or a special event
  • Refinance your existing mortgage
How long does it take to process a Home Equity loan?

The State of Texas has placed a variety of provisions in the Texas Constitution that protect consumers by providing several time frames that all lenders must comply with. These timing requirements mean the process of extracting equity from your home will take a minimum of 21 business days and include the following:

  • 12 day cooling off period
  • 3 day minimum to review the final closing disclosure
  • 3 day right of rescission

Apply online, schedule an appointment at any Financial Center or call our 24-hour loan hotline. 210.442.0199.  NMLS#643550

Home Equity Infographic Calculation

Calculate Your Payment

Use this calculator to compute the payment amount3 by adjusting the amount, rate and term.

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  1. APR = Annual Percentage Rate. Rates and terms are accurate as of 05/21/2022, and are subject to change. No Commercial Property or Manufactured Homes. Home Equity Loans with greater than a 20-year term are limited to a 1st lien position only. The Firstmark Home Equity loan minimum loan amount is $10,000 and maximum term is 25 years. The “as low as” APR shown assumes 1st lien position. For a loan in 2nd lien position rate, add .25% to above rate.  Rates range from 3.84 to 8.70% based on credit qualification, lien position and loan term. For example, on a $10,000 1st lien Home Equity loan at 3.84 for 48 months, you will make 48 payments of approximately $225.

  2. No closing cost or fees, except the borrower is responsible for the cost of a Title Insurance Policy or a property survey if one or both are required as a condition of loan approval. A title insurance policy is required on all Firstmark Home Equity loans over $100,000. At least 20 percent equity is required to secure a home equity loan. Additional discounts and other restrictions may apply. Promotion subject to termination at any time without notice.

  3. The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.