Home Equity Line of Credit
Borrow Against Your Home's Equity
A HELOC lets you tap the value you have built in your home while your first mortgage stays in place. Tell us a little about the home and Adam will call to talk it through.
Talk with one of our 7 licensed loan officers in Montgomery. (936) 447-5626Meet the team
How a HELOC works
A home equity line of credit is a revolving line secured by your home. You draw what you need, pay it back, and can draw again during the draw period. Your current mortgage is not replaced.
Texas has its own rules for borrowing against a homestead, including a limit on how much all the loans against the home can add up to. We walk you through the ones that apply before you decide.
HELOC or cash-out refinance?
A HELOC sits behind the mortgage you already have. A cash-out refinance replaces that mortgage with a new, larger one. If you like your current loan, a HELOC may be the simpler move. If you want to change the loan itself, a refinance may fit better.
Not sure which? Put it in the form and Adam will compare both with you.
What homeowners use a line for
Improve the home
A new roof, a kitchen, a pool. Draw as the work gets done instead of borrowing it all on day one.
Pay down other debt
Some homeowners use a line to pay off higher-interest balances. We talk through whether that makes sense for you.
A cushion for big costs
Tuition, medical bills or a gap between homes. The line is there when you need it.
Tell us about your home
The form goes to Adam Simmons, owner of Crystal Clear Mortgage (NMLS # 311686).
Your privacy: this website never asks for your Social Security number or date of birth.
What happens next
Send the form
It takes a few minutes and goes straight to Adam.
Adam contacts you
He goes over the details with you and the remaining items your HELOC needs.
Finish the application
You complete the secure application, and we keep you posted through closing.
Thanks, Adam has your details.
Adam will contact you about the remaining details. We never ask for your Social Security number or date of birth on this website.
If you would like to keep going now, continue on the secure HELOC application.
Continue my HELOC application (opens in a new tab)Questions in the meantime? Call (936) 447-5626.
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This website is for information only. It is not an offer or a commitment to lend, and it is not a rate lock. All loans are subject to application, credit approval, verification and program guidelines.
Adam and Kandace were amazing as we navigated the HELOC process. We reviewed several different options, and they were extremely helpful and astute as to what our best option was. Their response time was amazingly fast, and they made us feel as if we were their top clients! I most highly recommend them for any of your financing needs.