How much of a home equity line can I get in Texas?

Texas caps home equity lending at 80% combined loan-to-value under Section 50(a)(6) of the Texas Constitution. Your available line depends on your home value, existing mortgage balance, credit profile, and the lender's underwriting.

Do I need an appraisal for a HELOC?

Usually not. For most lines, an automated valuation is used instead of a traditional appraisal. Larger lines over $400,000 require a full appraisal and additional income verification.

Is a HELOC right for a short-term borrowing need?

Maybe not. If you plan to borrow and repay the full amount within a few months, one-time draw fees make it an expensive way to borrow. A HELOC works best when you'll carry a balance for a while or want a long-term credit line you can draw on repeatedly.

100% online · No appraisal visit for most homes

What's your HELOC?

Q: Will checking my HELOC rate hurt my credit score?

No. Viewing offers uses a soft credit inquiry, which does not affect your credit score. A hard inquiry only happens if you decide to proceed with a full application.

Find your number below, then check your real rate online in minutes¹ — with no impact to your credit score to view offers.

Check my rate — free

Checking your rate will not affect your credit score.²

How much could you access?

Drag to estimate. For illustration only — not an offer of credit.

Home value $650,000

Mortgage balance $320,000

Property state

Estimated credit range

Estimated available line

$200,000

Illustration only, for an owner-occupied home. Combined loan-to-value limits and maximum line size vary with credit profile and state law; lines above $400,000 require additional verification and are not available in all states. Your actual line, rate, and approval are determined solely by the lender's underwriting. Not an offer of credit.

See my real number

Apply from your phone No in-person closing for most homes Rate check won't affect credit² Guided by a licensed broker

How it works

Three steps. No branch visits, no paper piles.

We've partnered with a leading digital home equity lender, so you can go from "just curious" to funded without leaving your couch.

STEP 01

Check your rate

Answer a few questions online. Seeing your offer takes minutes¹ and won't affect your credit score.²

STEP 02

Verify & sign online

Income and home verification happen digitally. Most borrowers never need an in-person appraisal or notary visit.

STEP 03

Access your funds

Draw what you need, when you need it — for renovations, debt consolidation, or a cash cushion.

The feature most HELOCs don't have

Pay it down. Recast it. Lower your monthly payment — without refinancing.

Made a big prepayment? With our lending partner's recast option, you can lower your required monthly payment to match your new balance — no refinance, no new closing costs, no starting over.

It's flexibility that traditional HELOCs simply weren't built for.

Check my rate

Say you pay down 30% of your balance

Typical HELOC

Payment stays the same

With recast

Payment: −30%

Required monthly payment, relative to before

Illustrative only — approximate, assuming the same rate and remaining term. Recast availability, timing windows, and terms are set by the lender and subject to its requirements.

Good questions

Before you tap your equity

Will checking my rate hurt my credit score?

No. Viewing your offers uses a soft credit inquiry, which does not affect your credit score. A hard inquiry only happens if you decide to proceed with a full application.²

What can I use a HELOC for?

Common uses include home improvements, consolidating higher-interest debt, education costs, or keeping a flexible cash reserve. You only pay interest on what you actually draw.

Is this Omnia Mortgage's loan?

No — Omnia Mortgage is an independent mortgage broker and a referral partner of Aven. Your line of credit is arranged by Aven and issued by its bank partner, Coastal Community Bank, Member FDIC. All credit decisions, rates, and terms are made by Aven — we help you find the right fit and guide you through the process at no cost to you for this referral.

What does it cost?

There's a one-time draw fee on your initial draw (disclosed upfront and added to the loan amount — in Texas, this takes the form of a 2% origination fee), and no fees on later draws. Aven covers title insurance and in-person signing costs, so there's nothing due out of pocket at closing. You'll see your exact rate and fees before you commit, and checking your rate is free.

Do I need an appraisal or home visit?

Usually not. For most lines, an automated valuation is used instead of a traditional appraisal, so nobody needs to walk through your home. Larger lines (over $400,000) require a full appraisal and additional income verification.

What kinds of properties are eligible?

Single-family homes, townhomes, condos, PUDs, and 2–4 unit properties qualify. Manufactured homes, co-ops, and properties held in an LLC or business entity don't. Investment properties can qualify too, with somewhat stricter limits, as long as you've owned them at least 12 months.

What terms are available?

Fixed-rate terms of 5, 10, 15, or 30 years, with a 5-year draw period. Your initial draw locks a fixed rate; later draws lock their own fixed rate at the time you take them. That means predictable payments rather than the floating-rate surprise many HELOCs come with.

Is a HELOC right for a short-term need?

Honestly — maybe not. If you plan to borrow and repay the full amount within just a few months, the one-time draw fee makes that an expensive way to borrow, and a different option may serve you better. A HELOC shines when you'll carry a balance for a while or want a long-term credit line you can draw on repeatedly. Not sure which camp you're in? Call us and we'll talk it through — that's what we're here for.

What if I don't qualify for a HELOC?

Depending on your situation, a cash-out refinance or another equity option may fit better. As a full-service brokerage, we can walk you through alternatives — just reply to any of our messages or give us a call.

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