Home Equity Loans

When you need funds for remodeling, college tuition, vacations, debt consolidation, or other life events, your home may be your best answer. We can help convert the home equity you’ve earned into the cash you require to reach your goals.

Home Equity Loan

Put the equity you've built in your home to work for you. A home equity loan from Jefferson Bank allows you to use a portion of the equity in your home for anything you choose, and in most cases, the interest may be tax-deductible1.

It's a good way to finance home improvements, consolidate debt, buy a car, or take that dream vacation — it's your choice.

A home equity loan is paid out to you in one lump sum with a fixed interest rate and payment for a specific term to meet your needs. Because the loan is secured by your home, the interest rates are generally lower than most other types of loans.

Equity in your home is like money in the bank. Find out more by talking to the lending specialists at Jefferson Bank today at (210) 736-7700. 

Home Equity Line of Credit (HELOC)

A Home Equity Line of Credit (HELOC) is a flexible loan product that allows you to borrow against the equity you have in your home. Many homeowners use home equity credit lines for major items, such as, home improvements, consolidating higher-interest credit card debt or medical bills.  

A HELOC works much like a credit card. A credit line is established and you can borrow as much as you need when you need it up to the credit limit. The interest you pay may be tax-deductible1 and HELOCs offer payment flexibility not available with a standard Home Equity Loan. 

Call 210-736-7700 for more information on how Jefferson Bank can help you with a Home Equity Line of Credit.

Home Improvement Loans

Does your home fall into the fixer-upper category? Or are you ready for a complete makeover? Whether you want to make a splash with a new pool, repair a leaky roof, brighten things up with a new coat of paint or get cooking with a full kitchen remodel, a home improvement loan could be the perfect solution.

Home improvement loans require the same application process as a regular mortgage loan. In addition to the application, potential borrowers are required to provide:

  • Project plans and specs
  • Builder’s contract
  • Cost breakdown for the improvements

If you own a home, or want to buy a fixer upper, you can apply for a home improvement loan.

Projects of all sizes – from painting or landscaping, to additional square footage – can be financed with a home improvement loan.

Call us today at (210) 736-7700 and we'll get your home improvement loan solution hammered out.

Exceptional home financing starts here.

Exceptional home financing starts here

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Why choose Jefferson Bank for your mortgage needs?


The San Antonio area has been our home for more than 75 years. Our experienced  team is familiar with the unique needs of the region. We’ve helped thousands of local residents realize their goal of home ownership.

Home Loans Made Easier
Home Loans Made Easier

Manage the entire home loan process with the Jefferson Bank Home Loan App. It’s quick, simple, secure, and free*. Get prequalified and apply on your smart device. Download on the App Store or Google Play.

Personal Service
Personal Service

This is personal to us. Those aren’t just words, it’s the core business philosophy we live by everyday. Our team is dedicated to exceeding expectations with an unrivaled level of personalized service.

Ongoing Support
Ongoing Support

Our commitment to you doesn't end at closing. We’re always here with quick responses to your ongoing needs and questions. We’re your home base for home loans, now and in the future.

Competitive Rates
Competitive Rates

Best of all, you’ll have access to our experience and service while still enjoying competitive financing rates.

*This calculator is being provided for educational purposes only and is provided by a third party not controlled by Jefferson Bank. The results are estimates that are based on the information you provided and may not reflect Jefferson Bank product terms. Jefferson Bank is not responsible for the content, results, or the accuracy of information. Speak with a Jefferson Bank Mortgage Loan Officer for more specific information.

Notices & Disclosures

All home lending products are subject to credit approval.  Rates, program terms and conditions are subject to change without notice. Other restrictions and limitations apply.

Manage your entire mortgage process quickly, easily, and securely.
  • Complete a mortgage loan application in minutes.
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  • Receive step-by-step notifications of loan application progress.
  • Request a pre-qualification letter to submit with an offer.
  • Access lender contact info with the touch of a button.
Jefferson Bank Home Loan App

Download the Jefferson Bank Home Loan app* from the App Store or Google Play

*While Jefferson Bank does not charge fees for the use of Mobile Banking or Online Banking, message and data rates may apply. Check with your service provider for details.

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