Back To Top Skip to Content

Home Equity & Improvement Loans

Put Your Home’s Value to Work

Apply

Home Equity Loans

Put your home’s equity to work with a Velocity Home Equity Loan. Whether you’re planning home improvements, consolidating debt, covering education expenses, or making a major purchase, our flexible financing options make it easy to access the value you’ve built in your home.

Features:

  • Choose a first- or second-lien loan based on your current mortgage situation
  • Loan amounts from $30,000 to $200,000 with low closing costs
  • Borrow against up to 80% of your home’s value (less any existing mortgage loan balance)
  • Fixed interest rates mean your monthly payment will never increase
  • Flexible repayment terms available in 5-, 10-, 15-, and 20-year options

Home Improvement Loans

Bring your home improvement projects to life with a Velocity Home Improvement Loan. Whether you’re remodeling a kitchen or bathroom, adding a pool, replacing windows or siding, or building a deck, patio, or additional living space, we offer financing designed specifically for renovations and upgrades. With competitive rates and a streamlined process, you can start your project sooner.

Features:

  • Loan amounts from $20,000 to $200,000
  • Low closing costs
  • Competitive fixed interest rates with predictable monthly payments
  • Borrow up to 125% combined loan-to-value (CLTV) for eligible improvements
  • Fast processing and local, personalized service

If you’ve got questions, email our experts at [email protected] or call us at 512.469.7177. Our mortgage department is available M-F 9a-5p.

Apply

Contact Us

Speak to Our Mortgage Team

We’d love to hear from you.

Call 512.469.7177 or email us.
Monday – Friday 9am-5pm Central

Apply Now   Email Us

Nationwide Mortgage Licensing System & Registry – Member Notice

In accordance with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008, Velocity Credit Union’s Nationwide Mortgage Licensing System Identification Number is NMLS ID: 657886.
Velocity Credit Union is in partnership with Dark Matter to provide mortgage services to credit union members. Nationwide Mortgage Licensing System Identification Number is 9741.
Individual Mortgage Loan Officer Identification Numbers may be obtained at the following website: https://www.nmlsconsumeraccess.org/

*Your annual percentage rate (APR) will be based on your individual credit rating score obtained from a credit reporting agency. Your interest rate, term and payment will be determined when we process your loan application. Rates and terms are subject to change without notice.