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BBVA Compass

Equity Optimizer
Home Equity Line of Credit

Tap into your home equity when you need it.

  • Overview
  • Features
  • Rates

Here's what you get with your home equity loan


  • Easy Access

    You can access your credit line with either a VISA Platinum Credit Card,* convenience checks, or by visiting a branch.
  • Money For Anything

    You can use your home equity line for anything from consolidating debt to home improvements.
  • Fixed Rate Option

    You can opt to “lock in” up to three portions of your line of credit at a fixed rate with fixed monthly payments.
  • Potential Tax Savings

    You could possibly lower your tax bill by deducting the interest you pay on your year-end taxes.
    (Please consult a tax adviser for further information regarding the potential deductibility of interest and charges)
  • Low Payments

    Our Equity Optimizer Home Equity Line of Credit features a competitive, adjustable rate. Your monthly payments will vary based on the rate and your outstanding balance. You do have the option of making interest-only payments during the draw period.

All loans and lines of credit are subject to approval, including credit approval.

*Texas Residents Only: State law prohibits credit card access to your line of credit and requires a $4,000 minimum per advance.

**Closing costs: You can choose between bank-paid or borrower-paid closing costs on new home equity products with amounts ranging from $10,000 to $250,000. Credit requests for less than $10,000 or more than $250,000 shall be subject to actual closing costs incurred and permitted by law. Closing cost offer not available with refinance of a first mortgage. Rates advertised are based on the borrower paying all applicable closing costs. A higher rate will apply to your loan/line of credit if you choose to have the bank pay your closing costs. Bank-paid closing costs are subject to recoupment from borrower(s) if loan is paid off within 2 years (not applicable in Texas).

Apply Online Now

How to Apply

Apply By Phone 1-800-COMPASS

Apply In Person Find a Branch


Loan payment Assistance

Where do you bank?

Please let us know where you bank so we can show you pricing and rate information.

Choose Your Banking Region


Enjoy all the advantages of a revolving home equity line of credit with our Equity Optimizer Line of Credit.

   
Uses You can choose how much to advance when you need it. 

Use it for any purpose: debt consolidation, home improvements, major purchases (appliances, cars, RVs, boats, etc.) or other major expenses, refinancing of existing mortgage and any other miscellaneous purposes like vacations, medical expenses, etc.
Ways to Access VISA® Platinum Credit Card*, Convenience Checks, Advances at the Branch or by phone
Minimum Amount $10,000
Term Draw Period Up to 20 years

Repayment Period:
  • 15 yrs maximum for loans $10,000 - $49,999
  • 30 yrs maximum for loans $50,000 or more
Closing Costs Special closing costs options available**
Tax Deduction Potentially tax-deductible interest for year-end taxes (consult with a tax adviser regarding the deductibility of interest)
Fixed Rate All home equity loans are set at a fixed rate with regular monthly payments
Want to learn more? Get our APR & Fees

All loans and lines of credit are subject to approval, including credit approval.

*Texas Residents Only: State law prohibits credit card access to your line of credit and requires a $4,000 minimum per advance.

**Closing costs: You can choose between bank-paid or borrower-paid closing costs on new home equity products with amounts ranging from $10,000 to $250,000. Credit requests for less than $10,000 or more than $250,000 shall be subject to actual closing costs incurred and permitted by law. Closing cost offer not available with refinance of a first mortgage. Rates advertised are based on the borrower paying all applicable closing costs. A higher rate will apply to your loan/line of credit if you choose to have the bank pay your closing costs. Bank-paid closing costs are subject to recoupment from borrower(s) if loan is paid off within 2 years (not applicable in Texas).

Apply Online Now

How to Apply

Apply By Phone 1-800-COMPASS

Apply In Person Find a Branch


Loan payment Assistance

Where do you bank?

Please let us know where you bank so we can show you pricing and rate information.

Choose Your Banking Region


Tap into your home equity when you need it.

To see available rates, please:
Choose your region.

Apply Online Now

How to Apply

Apply By Phone 1-800-COMPASS

Apply In Person Find a Branch


Loan payment Assistance

Where do you bank?

Please let us know where you bank so we can show you pricing and rate information.

Choose Your Banking Region