Are you searching for a Home Equity or Vacant Property Loan? Security First Credit Union is here to help! We offer low-fixed interest rates and flexible terms.

Ready to apply?

Log in to your online banking account and click the Web Loan Application link under Services, or contact our Mortgage Department at (956)661-4000 ext. 1250 to learn more.

For Mortgage loans, please click here to learn more.

Home Equity Mortgage Loans
Unimproved Single Family Property (Vacant Land)


  • *Rate depends on loan amount, term, and credit score obtained from a credit-reporting agency. Loan subject to credit approval.
  • ** APR = Annual Percentage Rate. It is the annual cost of a loan to a borrower – including Financed Fees. The APR is effective March 1, 2021.
  • Rates are subject to change without notice.
  • Membership eligibility required.
  • Financing available for properties in Willacy, Cameron, Hidalgo and Starr County.
  • 1% origination based on loan amount (Not applicable on Home Equity Loans).
  • Based on a 125K loan amount with an 80% LTV (Loan To Value *Fees $2400 Lot Loans & $2000 for Home Equity). Payment example does not include taxes and insurance premiums; actual payment may be greater
  • Please consult a tax advisor regarding the tax deductibility of interest and charges.
  • Security First Credit Union will NOT subordinate our lien. The 1st lien must be with Security First to attain 2nd lien Home Equity or Home Improvement loan.
  • Closing cost may vary based on transaction.
  • Additional fees, terms, and conditions may apply.