Equity Optimizer Home Equity Line of Credit

Tap into your home equity when you need it

Here's what you get with your home equity line:


Money For Anything

You can choose how much to advance from your available credit when you need it. Use your home equity line for a variety of purposes including: 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.


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.


Easy Access

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


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)


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.


Please let us know where you live so we can show you our competitive home equity line of credit rates.

Get Rates 


  • Minimum Amount: $10,000
  • Term Draw Period: Up to 20 years,
  • 15 yrs if the balance owed is $20,000 or more
    10 yrs if the balance owes if less than $20,000
  • Closing Costs: Bank paid closing costs available*

Apply Online

Start an application for a BBVA Home Equity Line of Credit now.

Apply Now  

Loan Payment Assistance

BBVA Compass is here to help whether you need loan payment assistance for Real Estate loans, installment loans or credit cards.

Learn more  

Apply By Phone

Call 1-800-COMPASS (1-800-266-7277)

Apply in Person

Find a BBVA Compass location

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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: BBVA Compass will pay all closing costs for loan amounts ranging between $10,000 and $500,000. The offer is valid for all new Home Equity Lines of Credit with the exception of PM2 Lines of credit. The borrower must take a draw of $10,000 within 30 days of closing that remains outstanding for 90 days. Credit requests for less than $10,000 or more than $500,000 shall be subject to actual closing costs incurred and permitted by law. Bank-Paid closing cost will be recouped if the minimum draw requirement is not met or if the line is closed within 24 months of inception (Except for Texas HELOCs due to Texas law).

BBVA Compass is a trade name of Compass Bank, a member of the BBVA Group. Compass Bank, Member FDIC

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