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Home Equity & Improvement Loans

All your home financial needs … under one roof


Home is where the heart is. Your loan is where our part is.

As a personalized, local banking alternative, Velocity Credit Union has served your friends and neighbors since 1947. Austin is our home — and we can take care of your home’s financial needs … all under one roof! Ready to apply? Click the button for your chosen loan below. Have questions? Read on or contact one of our professionals.

Home Equity Loans

While you’ve been paying down your mortgage, your home’s value has almost certainly increased. Put that hidden cash to use with a Velocity Home Equity Loan. Use the funds for almost anything — education expenses, bill consolidation, major appliance purchases, etc. Interest paid on a home equity loan is often tax deductible (please consult your tax expert). Get fast approval and low rates.

Home Improvement Loans

Home improvement loans can help you finance repairs, renovations, and additions to your home — including pools! Low rates and extended terms allow you to choose the option that best fits your financial needs. We offer loans from $20,000 to $200,000 designed to finance large or small home improvement projects with fast processing. Whether you plan to remodel, install siding, purchase new windows, or build a new room, deck, or patio, we’ll help you improve your home while saving you money.

Loan Officer

Carol Middleton

Carol Middleton
My career in finance began in 1984. I joined Velocity in 2001 and have been part of the Mortgage Lending team since 2016. I am known for being a good listener and, based on my knowledge and experience, helping our members achieve their financial goals.

I am a native Austinite and am very proud of it! When I’m not in the office, I love to travel, which I haven’t had nearly enough opportunity to do. I also enjoy attending sporting events and I like to read books. Cooking shows are my favorite thing to watch.

I have been involved in mortgage lending for nearly 20 years and I can’t wait to put that expertise to work helping you with your mortgage needs.

NMLS: 1538829
Phone: 512.469.7066
Email: [email protected]