{"id":2661,"date":"2026-06-22T16:12:17","date_gmt":"2026-06-22T21:12:17","guid":{"rendered":"https:\/\/www.heritagesouth.org\/loans-credit-cards\/real-estate-loans\/home-equity-loan\/"},"modified":"2026-10-22T14:30:37","modified_gmt":"2026-10-22T19:30:37","slug":"linea-de-credito-con-garantia-hipotecaria-sobre-la-vivienda","status":"publish","type":"page","link":"https:\/\/www.heritagesouth.org\/es\/loans-credit-cards\/real-estate-loans\/home-equity-line-credit\/","title":{"rendered":"L\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria sobre la vivienda"},"content":{"rendered":"
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  1. Pr\u00e9stamos y Tarjetas<\/a>\n\t\t\t\t<\/polyline>\n\t\t\t<\/svg><\/li>
  2. Pr\u00e9stamos inmobiliarios<\/a>\n\t\t\t\t<\/polyline>\n\t\t\t<\/svg><\/li>
  3. L\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria sobre la vivienda<\/li><\/ol><\/div><\/div>\t\t\t\t

    \n\t\t\t\t\tL\u00cdNEA DE CR\u00c9DITO CON GARANT\u00cdA HIPOTECARIA\t\t\t\t<\/h1>\n\t\t\t\t

    Utiliza lo que has construido para lo que importa ahora.<\/p>\t\t\t\t\t

    \n\t\t\t\t\t\tHabla con nuestro equipo.<\/a>Ver tarifas actuales<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
    \n\t\t\t\t\t\"Un\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/header>\n<\/div><\/div>\n\n
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    Fondos flexibles, respaldados por su vivienda.<\/h2>

    Una l\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria (HELOC, por sus siglas en ingl\u00e9s) le permite obtener un pr\u00e9stamo utilizando el valor acumulado de su vivienda como garant\u00eda. Una vez aprobada, puede acceder a los fondos disponibles seg\u00fan los necesite. Esto hace que una HELOC sea \u00fatil para proyectos o gastos que se realizan a lo largo del tiempo, en lugar de tener que afrontarlos todos a la vez.<\/p>\n<\/div>\t<\/div>\n<\/div><\/div>\n\n

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    \t\n\t\tcajero autom\u00e1tico<\/title>\n\t\t<path fill=\"#fff\" d=\"M87.614 27.906h3.87V2.518H2.511v25.388h3.87c.694 0 1.256.563 1.256 1.26q-.002.107-.021.209h3.09v-6.114c0-.533.335-.99.804-1.171v-2.056h-.176a1.256 1.256 0 0 1-1.256-1.26c0-.696.56-1.258 1.256-1.258h71.334a1.26 1.26 0 0 1 .448 2.434v2.14c.473.18.808.638.808 1.175v6.114h2.458a1 1 0 0 1-.02-.21c0-.696.56-1.259 1.256-1.259z\"\/><path fill=\"#b5be34\" d=\"M13.22 23.26v18.348a2.873 2.873 0 0 0 2.867 2.874h62.454a2.873 2.873 0 0 0 2.868-2.874V23.26a1.256 1.256 0 0 1 1.704-1.175v-2.14a1.2 1.2 0 0 1-.448.084H59.602c.59 1.41.959 2.941 1.067 4.553.222.226.356.537.356.877 0 8.082-6.071 14.654-13.533 14.654S33.959 33.538 33.959 25.46c0-.365.159-.697.41-.924a14.4 14.4 0 0 1 1.064-4.502H11.51v2.056c.142-.055.293-.088.452-.088.695 0 1.256.562 1.256 1.259m65.287 15.607a2.34 2.34 0 0 1-2.336 2.342h-7.182a1.256 1.256 0 0 1-1.256-1.259c0-.697.561-1.259 1.256-1.259h7.006v-7.02a1.256 1.256 0 1 1 2.512 0zM26.003 41.21h-7.181a2.34 2.34 0 0 1-2.337-2.342V31.67a1.256 1.256 0 1 1 2.513 0v7.021h7.005c.695 0 1.256.562 1.256 1.259s-.561 1.259-1.256 1.259\"\/><path fill=\"#fff\" d=\"M34.373 24.537c.222-.206.52-.336.846-.336.695 0 1.256.562 1.256 1.259 0 6.693 4.945 12.136 11.021 12.136s11.021-5.447 11.021-12.136a1.256 1.256 0 0 1 2.156-.877 14.5 14.5 0 0 0-1.067-4.553H35.44a14.3 14.3 0 0 0-1.064 4.502z\"\/><path fill=\"#473124\" d=\"M83.113 22.086a1.256 1.256 0 0 0-1.704 1.175v18.347a2.873 2.873 0 0 1-2.868 2.874H16.088a2.873 2.873 0 0 1-2.869-2.874V23.26c0-.697-.56-1.26-1.256-1.26-.16 0-.31.034-.452.089-.47.18-.804.638-.804 1.17v18.348c0 2.975 2.412 5.392 5.38 5.392h62.454c2.968 0 5.38-2.417 5.38-5.392V23.26c0-.537-.335-.99-.808-1.175\"\/><path fill=\"#473124\" d=\"M59.773 24.2c-.695 0-1.256.563-1.256 1.26 0 6.693-4.945 12.136-11.02 12.136-6.077 0-11.022-5.447-11.022-12.136 0-.697-.56-1.26-1.256-1.26-.327 0-.624.13-.846.337a1.25 1.25 0 0 0-.41.923c0 8.082 6.071 14.654 13.533 14.654S61.03 33.538 61.03 25.46c0-.34-.138-.65-.356-.877a1.25 1.25 0 0 0-.9-.382m-33.771 14.49h-7.005v-7.02a1.256 1.256 0 1 0-2.513 0v7.196a2.34 2.34 0 0 0 2.337 2.342h7.181c.695 0 1.256-.562 1.256-1.259s-.561-1.259-1.256-1.259m51.247-8.279c-.694 0-1.255.562-1.255 1.259v7.02H68.99c-.696 0-1.257.562-1.257 1.259s.561 1.259 1.257 1.259h7.18a2.34 2.34 0 0 0 2.337-2.342v-7.196c0-.697-.561-1.26-1.256-1.26M59.602 20.034h23.063a1.256 1.256 0 0 0 1.256-1.259c0-.697-.56-1.26-1.256-1.26h-71.33c-.695 0-1.256.563-1.256 1.26 0 .696.56 1.259 1.256 1.259h48.27z\"\/><path fill=\"#473124\" d=\"M92.744 0H1.256C.561 0 0 .562 0 1.259v27.906c0 .697.561 1.26 1.256 1.26h5.125c.624 0 1.135-.454 1.236-1.05a1 1 0 0 0 .02-.21c0-.696-.56-1.259-1.256-1.259H2.512V2.518h88.976v25.388h-3.87c-.694 0-1.256.563-1.256 1.26q.002.107.021.209c.1.596.612 1.05 1.236 1.05h5.125c.695 0 1.256-.563 1.256-1.26V1.26C94 .562 93.439 0 92.744 0\"\/>\t<\/svg>\n<\/figure>\n\t\t\t\t\t\t<div class=\"co-card--body\">\n\t\t\t\t\t\t\t<h2 class=\"co-card--heading\" >Acceda a los fondos seg\u00fan los necesite.<\/h2><div class=\"co-card--desc text-component\"><p>Utilice su l\u00ednea de cr\u00e9dito aprobada cuando surja un gasto elegible, en lugar de pedir prestado el monto total de una sola vez.<\/p>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-card\">\n\t\t\t\t\t\t<figure class=\"co-card--media\">\t<svg\n\t\tclass=\"co-card--icon House\"\n\t\tviewbox=\"0 0 79 75\"\n\t\twidth=\"79\"\n\t\theight=\"75\"\n\t>\n\t\t<title>Casa<\/title>\n\t\t<path fill=\"#b5be34\" d=\"M5.591 36.049h2.356a1.72 1.72 0 0 1 1.21-.494 1.74 1.74 0 0 1 1.738 1.738v34.004h17.78V44.175c0-.96.778-1.738 1.738-1.738h18.176c.96 0 1.738.778 1.738 1.738v27.122h17.78V37.293c0-.96.779-1.738 1.738-1.738.472 0 .896.188 1.21.494h2.356L39.497 4.124zm14.771-25.774c-.153.042-.306.07-.473.07h-8.994v12.254a1.74 1.74 0 0 1-1.265 1.668v3.204l10.732-10.106v-7.097z\"\/><path fill=\"#473124\" d=\"M10.895 22.606V10.35h8.994c.167 0 .32-.027.473-.069a1.73 1.73 0 0 0 1.265-1.668c0-.96-.779-1.738-1.738-1.738H9.157c-.96 0-1.738.779-1.738 1.738v13.992c0 .96.779 1.738 1.738 1.738.167 0 .32-.028.473-.07a1.73 1.73 0 0 0 1.265-1.668m67.562 13.423L40.693.474a1.735 1.735 0 0 0-2.384 0L20.362 17.372 9.63 27.479l-9.085 8.55a1.736 1.736 0 1 0 2.377 2.53l2.662-2.51L39.497 4.124l33.907 31.925 2.669 2.51c.334.312.764.472 1.188.472.466 0 .925-.18 1.266-.55.66-.701.625-1.8-.077-2.453z\"\/><path fill=\"#473124\" d=\"M68.107 37.293v34.004h-17.78V44.175c0-.96-.779-1.738-1.738-1.738H30.413c-.96 0-1.738.778-1.738 1.738v27.122h-17.78V37.293c0-.96-.779-1.738-1.738-1.738a1.72 1.72 0 0 0-1.21.494 1.72 1.72 0 0 0-.528 1.244v35.741c0 .96.779 1.738 1.738 1.738h21.256c.959 0 1.737-.778 1.737-1.738V45.912h14.701v27.122c0 .96.779 1.738 1.738 1.738h21.256c.959 0 1.737-.778 1.737-1.738v-35.74a1.72 1.72 0 0 0-.528-1.245 1.72 1.72 0 0 0-1.21-.494c-.958 0-1.737.779-1.737 1.738\"\/>\t<\/svg>\n<\/figure>\n\t\t\t\t\t\t<div class=\"co-card--body\">\n\t\t\t\t\t\t\t<h2 class=\"co-card--heading\" >Emprender proyectos en casa<\/h2><div class=\"co-card--desc text-component\"><p>Utilice los fondos disponibles para renovaciones, mejoras, reparaciones y otras necesidades aprobadas.<\/p>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-card\">\n\t\t\t\t\t\t<figure class=\"co-card--media\">\t<svg\n\t\tclass=\"co-card--icon Calculator\"\n\t\tviewbox=\"0 0 77 77\"\n\t\twidth=\"77\"\n\t\theight=\"77\"\n\t>\n\t\t<title>Calculadora<\/title>\n\t\t<rect width=\"38.964\" height=\"39.892\" x=\"10.205\" y=\"28.759\" fill=\"#acb531\" rx=\"3\"\/><rect width=\"38.964\" height=\"15.771\" x=\"10.205\" y=\"4.639\" fill=\"#fff\" rx=\"1\"\/><path fill=\"#473124\" d=\"M40.579 74.594H3.58a1.2 1.2 0 0 1-1.193-1.203V3.609c0-.661.537-1.203 1.193-1.203H54.9c.657 0 1.194.542 1.194 1.203v27.672c0 .662.537 1.203 1.194 1.203s1.193-.541 1.193-1.203V3.61c0-1.986-1.611-3.61-3.58-3.61H3.58C1.61 0 0 1.624 0 3.61v69.78C0 75.377 1.611 77 3.58 77h37c.656 0 1.193-.541 1.193-1.203s-.537-1.203-1.193-1.203\"\/><path fill=\"#473124\" d=\"M9.97 8.772c-.659 0-1.198.512-1.198 1.137v11.372c0 .625.539 1.137 1.198 1.137h39.516c.659 0 1.198-.512 1.198-1.137V9.909c0-.625-.54-1.137-1.198-1.137-.659 0-1.197.512-1.197 1.137v10.234H11.167V9.91c0-.625-.539-1.137-1.197-1.137m30.723-2.925h-2.437c-.67 0-1.218.658-1.218 1.462s.548 1.462 1.218 1.462h2.437c.67 0 1.218-.658 1.218-1.462s-.548-1.462-1.218-1.462\"\/><path fill=\"#473124\" d=\"M38.256 17.544h2.437c.67 0 1.218-.438 1.218-.974 0-.537-.548-.975-1.218-.975h-2.437c-.67 0-1.218.438-1.218.975s.548.974 1.218.974m-1.218-7.066V8.04c0-.67-.439-1.218-.975-1.218s-.974.548-.974 1.218v2.437c0 .67.438 1.218.974 1.218s.975-.548.975-1.218m6.822.001V8.04c0-.67-.438-1.218-.974-1.218s-.975.548-.975 1.218v2.437c0 .67.439 1.218.975 1.218s.975-.548.975-1.218m-8.772 2.438v2.436c0 .67.438 1.219.974 1.219s.975-.549.975-1.219v-2.436c0-.67-.439-1.219-.975-1.219s-.974.549-.974 1.219m6.822 0v2.436c0 .67.439 1.219.975 1.219s.975-.549.975-1.219v-2.436c0-.67-.439-1.219-.975-1.219s-.975.549-.975 1.219\"\/><path fill=\"#fff\" d=\"M58.91 76.536c-.31-.618-1.485-1.948-3.711-2.32-2.227-.37-5.566-1.7-6.958-2.318-2.165-1.547-7.143-5.845-9.741-10.67-1.788-3.319-2.506-4.486-2.73-4.74l-.053.102c-.048-.144-.048-.217.053-.102.833-1.54 3.376-3.628 7.369-.361l-11.133-18.09c-.773-1.238-1.855-3.99 0-5.103 2.32-1.392 4.639-.464 5.566.927.572.858 3.752 5.811 6.313 9.807-.795-1.923-.58-3.752 2.037-4.704 1.391-.31 4.546.185 6.03 4.638l.04.12c.1.05.238.158.424.344-1.237-1.855-2.783-5.844.927-6.958 2.22-.665 3.886.516 5 2.036-.248-1.318.141-2.62 1.958-3.427 4.175-1.856 6.958 4.638 7.886 6.03s6.958 12.06 6.958 15.771v5.102l.927 1.392z\"\/><path fill=\"#473124\" d=\"m76.774 63.284-.527-.8.204-2.704a7.5 7.5 0 0 0-.096-1.88c-1.029-5.348-2.788-9.872-5.385-13.837l-5.253-8.028a4.5 4.5 0 0 0-2.967-1.965 4.74 4.74 0 0 0-3.506.74 4.9 4.9 0 0 0-1.7 1.977c-1.53-1.359-3.864-1.54-5.683-.328a4.9 4.9 0 0 0-1.7 1.977c-1.53-1.358-3.864-1.54-5.683-.328a4.76 4.76 0 0 0-1.615 1.807l-4.404-6.742a4.4 4.4 0 0 0-.993-1.055v-2.401h9.573c.658 0 1.196.545 1.196 1.212s.539 1.213 1.197 1.213 1.197-.546 1.197-1.213c0-2-1.616-3.638-3.59-3.638H12.362c-1.975 0-3.59 1.637-3.59 3.638v35.169c0 2 1.615 3.638 3.59 3.638H33.9c.658 0 1.197-.546 1.197-1.213s-.539-1.212-1.197-1.212h-9.572V56.396h4.786c.658 0 1.197-.546 1.197-1.213s-.539-1.212-1.197-1.212h-4.786V43.056h9.285l6.737 10.308c-1.053-.182-2.884-.327-4.14.51-1.436.958-1.592 2.182-1.46 3.031.132.874.586 1.71 1.232 2.693l3.602 5.542c2.166 3.31 5.11 6.063 8.304 7.749.371.194.766.352 1.22.497l7.515 2.292.515.776c.227.352.61.546.993.546.227 0 .455-.06.658-.206.55-.364.706-1.128.335-1.686l-.754-1.152a1.26 1.26 0 0 0-.646-.497l-7.933-2.413a5 5 0 0 1-.802-.316c-2.836-1.504-5.468-3.965-7.419-6.936l-3.601-5.542c-.383-.595-.79-1.262-.862-1.723-.024-.157-.048-.34.419-.654.37-.255 1.4-.388 2.752-.085 1.185.267 2.07.752 2.405 1.128l2.37 3.613c.358.558 1.1.704 1.65.34a1.21 1.21 0 0 0 .336-1.674l-2.286-3.516c-.048-.061-.095-.134-.143-.194L32.596 37.09c-.323-.485-.419-1.08-.287-1.674.132-.606.49-1.14 1.017-1.491 1.077-.728 2.489-.473 3.159.545l6.521 9.993s.06.097.084.146l1.591 2.437a1.187 1.187 0 0 0 1.664.34 1.22 1.22 0 0 0 .335-1.686l-1.651-2.535a2.1 2.1 0 0 1-.228-1.576 2.45 2.45 0 0 1 1.017-1.492c1.065-.715 2.49-.473 3.16.546l2.38 3.638c.36.558 1.101.716 1.664.34a1.21 1.21 0 0 0 .335-1.686l-.874-1.346c-.323-.485-.419-1.08-.287-1.674.132-.606.49-1.14 1.017-1.491 1.077-.716 2.489-.473 3.16.545l2.44 3.724a1.187 1.187 0 0 0 1.663.34c.55-.377.706-1.129.335-1.687l-.933-1.43a2.2 2.2 0 0 1-.287-1.674 2.45 2.45 0 0 1 1.017-1.492 2.37 2.37 0 0 1 1.747-.376 2.1 2.1 0 0 1 1.4.922l5.253 8.028c2.417 3.699 4.056 7.943 5.026 12.964.072.388.095.8.06 1.225l-.24 3.116c-.024.267.048.534.192.764l.753 1.153a1.197 1.197 0 0 0 1.664.34c.55-.377.706-1.129.335-1.687zm-54.84-22.653h-4.786c-.658 0-1.196.546-1.196 1.213s.538 1.212 1.196 1.212h4.787v10.915h-4.787c-.658 0-1.196.545-1.196 1.212s.538 1.213 1.196 1.213h4.787v10.915h-9.573a1.21 1.21 0 0 1-1.197-1.213V30.929c0-.667.539-1.212 1.197-1.212h9.573zm10.076-8.695a4.86 4.86 0 0 0-2.034 2.983 4.6 4.6 0 0 0 .634 3.541l1.412 2.17h-7.694V29.718h10.769v1.455a4.7 4.7 0 0 0-3.087.776z\"\/>\t<\/svg>\n<\/figure>\n\t\t\t\t\t\t<div class=\"co-card--body\">\n\t\t\t\t\t\t\t<h2 class=\"co-card--heading\" >Pr\u00e9stamo con garant\u00eda del capital disponible<\/h2><div class=\"co-card--desc text-component\"><p>El cr\u00e9dito disponible depender\u00e1 de factores como el valor de su vivienda, la cantidad que debe actualmente y su solvencia.<\/p>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-card\">\n\t\t\t\t\t\t<figure class=\"co-card--media\">\t<svg\n\t\tclass=\"co-card--icon Briefcase\"\n\t\tviewbox=\"0 0 83 74\"\n\t\twidth=\"83\"\n\t\theight=\"74\"\n\t>\n\t\t<title>Malet\u00edn<\/title>\n\t\t<path fill=\"#b5be34\" d=\"M41.425 53.913a5.14 5.14 0 0 0 5.135-5.136 5.14 5.14 0 0 0-5.135-5.135 5.14 5.14 0 0 0-5.136 5.135 5.14 5.14 0 0 0 5.136 5.136\"\/><path fill=\"#b5be34\" d=\"M41.425 41.007a7.77 7.77 0 0 1 6.389 3.357c.008 0 .017-.009.026-.013l28.589-7.974a5.28 5.28 0 0 0 3.621-5.02V20.118a5.294 5.294 0 0 0-5.289-5.289H7.93a5.294 5.294 0 0 0-5.289 5.29v11.233a5.27 5.27 0 0 0 3.63 5.021l28.255 8.84a7.78 7.78 0 0 1 6.9-4.206\"\/><path fill=\"#fff\" d=\"M12.51 71.355h57.675a6.325 6.325 0 0 0 6.319-6.319l-.084-25.913-27.493 7.67a7.8 7.8 0 0 1 .268 1.989c0 4.286-3.485 7.775-7.775 7.775a7.78 7.78 0 0 1-7.775-7.775c0-.357.03-.704.079-1.047l-27.713-8.67.176 25.971a6.325 6.325 0 0 0 6.319 6.32zm37.645-8.36H66.26c.875 0 1.593-.713 1.593-1.593v-7.569c0-.73.59-1.32 1.32-1.32s1.32.59 1.32 1.32v7.569a4.24 4.24 0 0 1-4.233 4.233H50.155c-.73 0-1.32-.59-1.32-1.32s.59-1.32 1.32-1.32\"\/><path fill=\"#473124\" d=\"M29.055 9.566c.73 0 1.32-.59 1.32-1.32a5.61 5.61 0 0 1 5.606-5.606h10.667a5.61 5.61 0 0 1 5.606 5.606c0 .73.59 1.32 1.32 1.32s1.32-.59 1.32-1.32c0-4.545-3.7-8.246-8.246-8.246H35.98c-4.545 0-8.246 3.7-8.246 8.246 0 .73.59 1.32 1.32 1.32m21.101 56.069H66.26a4.24 4.24 0 0 0 4.233-4.233v-7.569c0-.73-.59-1.32-1.32-1.32s-1.32.59-1.32 1.32v7.569c0 .876-.713 1.593-1.593 1.593H50.155c-.73 0-1.32.59-1.32 1.32s.59 1.32 1.32 1.32\"\/><path fill=\"#473124\" d=\"M74.766 12.193c4.373 0 7.93 3.556 7.93 7.93V31.36a7.92 7.92 0 0 1-3.653 6.675 1.314 1.314 0 0 0-1.303-1.161h-.005l.005.004c.674 0 1.224.51 1.303 1.162a1 1 0 0 1 .017.158l.084 26.842c0 4.941-4.018 8.959-8.96 8.959H12.51c-4.942 0-8.96-4.018-8.96-8.96L3.372 38.42c0-.18.035-.352.1-.506A7.92 7.92 0 0 1 0 31.356V20.123c0-4.374 3.556-7.93 7.93-7.93zM7.93 14.833a5.294 5.294 0 0 0-5.29 5.29v11.233a5.28 5.28 0 0 0 3.63 5.02l28.254 8.842a7.7 7.7 0 0 0-.796 2.516L6.016 39.067l.175 25.969a6.325 6.325 0 0 0 6.319 6.32h57.67a6.325 6.325 0 0 0 6.319-6.32l-.083-25.911-27.483 7.667c.17.632.267 1.296.267 1.985 0 4.29-3.488 7.773-7.773 7.775-4.29-.002-7.774-3.49-7.774-7.775 0-.356.031-.704.08-1.047a7.775 7.775 0 0 1 7.696-6.724 7.76 7.76 0 0 1 6.39 3.358v.003l.026-.012 28.589-7.973a5.29 5.29 0 0 0 3.62-5.02v-11.24a5.294 5.294 0 0 0-5.288-5.288zm33.499 41.72h-.004l.002-.001zm-.004-12.907a5.14 5.14 0 0 0-5.136 5.136 5.14 5.14 0 0 0 5.136 5.135 5.14 5.14 0 0 0 5.135-5.135 5.14 5.14 0 0 0-5.135-5.136m6.575.996\"\/>\t<\/svg>\n<\/figure>\n\t\t\t\t\t\t<div class=\"co-card--body\">\n\t\t\t\t\t\t\t<h2 class=\"co-card--heading\" >Consolidar deudas<\/h2><div class=\"co-card--desc text-component\"><p>Utilice el capital acumulado en su vivienda para simplificar sus pagos mensuales y, potencialmente, reducir sus tasas de inter\u00e9s a un \u00fanico pago manejable. <\/p>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row next_row__single-path-cta co-flex_row__long-form-text\"><div class=\"co-flex_row--row co-row\">\t<div class=\"co-long_form\">\n\t\t\t\t<header class=\"co-intro_text\">\n\t\t\t<h2 class=\"co-intro_text--title\">Consulta nuestras opciones de tarifas actuales.<\/h2>\t\t<\/header>\n\t\t\t\t\t<div class=\"co-long_form--block prow items-center co-long_form--block__nomedia justify-center\">\n\t\t\t\t<div class=\"co-long_form--text pcol-md:8\">\n\t\t\t\t\t<div class=\"co-long_form--content text-component\"><p><div class=\"co-rates_table_wrap co-rates_table_wrap__rates_list\">\n\t<table class=\"co-rates_table\">\n\t\t\t\t\t<caption class=\"co-rates_table_wrap--title\" id=\"homeequitylineofcredit\">\n\t\t\t\tL\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria sobre la vivienda\t\t\t<\/caption>\n\t\t\t\t\t\t\t<thead>\n\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t<th\n\t\t\t\t\t\t\tclass=\"co-rates_table--heading\"\n\t\t\t\t\t\t\tscope=\"col\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t<p><strong>Relaci\u00f3n pr\u00e9stamo-valor<\/strong><\/p>\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th\n\t\t\t\t\t\t\tclass=\"co-rates_table--heading\"\n\t\t\t\t\t\t\tscope=\"col\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t<p>Tasa de inter\u00e9s anual (TAE) tan baja como*<\/p>\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th\n\t\t\t\t\t\t\tclass=\"co-rates_table--heading\"\n\t\t\t\t\t\t\tscope=\"col\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t<p>Tipo de tasa<\/p>\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t<\/thead>\n\t\t\t\t\t<tfoot>\n\t\t\t\t<tr>\n\t\t\t\t\t<td class=\"co-rates_table--foot_cell\" colspan=\"3\">\n\t\t\t\t\t\t<p>* Las tasas de inter\u00e9s anuales son variables y est\u00e1n vinculadas a la tasa preferencial de la Reserva Federal m\u00e1s un margen que depende de la calificaci\u00f3n crediticia y la relaci\u00f3n pr\u00e9stamo-valor. Las tasas pueden ajustarse dos veces al a\u00f1o, en febrero y agosto, seg\u00fan la tasa preferencial publicada en el Wall Street Journal en enero y julio.<\/p>\n\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t<\/tfoot>\n\t\t\t\t\t<tbody>\n\t\t\t\t\t\t\t\t\t<tr class=\"co-rates_table--row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p><strong>Relaci\u00f3n pr\u00e9stamo-valor<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>Hasta 80%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Tasa de inter\u00e9s anual (TAE) tan baja como*<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>7.00%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Tipo de tasa<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>Tarifa mensual ajustable<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<\/tbody>\n\t\t\t<\/table>\n<\/div><\/p>\n<\/div><a class=\"co-long_form--button co-button gtm-button\" href=\"https:\/\/www.heritagesouth.org\/es\/preguntas-frecuentes-faq\/contactanos\/\" >Habla con nuestro equipo.<\/a>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row next_row__columns co-flex_row__single-path-cta\"><div class=\"co-flex_row--row co-row\">\t<div class=\"co-sp_cta\">\n\t\t<h2 class=\"co-sp_cta--headline\">\u00bfListo para sacar provecho del valor de tu vivienda?<\/h2><div class=\"co-sp_cta--desc\"><p>Solicita una l\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria y obt\u00e9n acceso flexible a fondos para renovaciones, reparaciones y otras necesidades aprobadas.<\/p>\n<\/div><a class=\"co-sp_cta--button gtm-button\" href=\"https:\/\/www.heritagesouth.org\/es\/solicitar-prestamo\/\" >Solicita una l\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria (HELOC).<\/a>\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row next_row__faqs co-flex_row__columns\"><div class=\"co-flex_row--row co-row\">\t<div class=\"co-columns\">\n\t\t\t\t<header class=\"co-intro_text\">\n\t\t\t<h2 class=\"co-intro_text--title\">Una forma sencilla de empezar<\/h2>\t\t<\/header>\n\t\t\t\t\t<div class=\"co-columns--row prow prow-md:2 prow-lg:4 co-columns--row__icons justify-center\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-card\">\n\t\t\t\t\t\t<figure class=\"co-card--media\">\t<svg\n\t\tclass=\"co-card--icon Number1\"\n\t\tviewbox=\"0 0 74 74\"\n\t\twidth=\"74\"\n\t\theight=\"74\"\n\t>\n\t\t<title>N\u00famero 1<\/title>\n\t\t<path fill=\"#b5be34\" d=\"M0 0h74v74H0z\"\/><path fill=\"#fff\" stroke=\"#473124\" stroke-width=\"2\" d=\"M46.92 14.52V59H36.28V27.813l-6.86 6.04-.755.664-.66-.76-5.1-5.88-.665-.766.775-.654 13.86-11.7.28-.236z\"\/>\t<\/svg>\n<\/figure>\n\t\t\t\t\t\t<div class=\"co-card--body\">\n\t\t\t\t\t\t\t<h3 class=\"co-card--heading\" >Cu\u00e9ntanos tus planes<\/h3><div class=\"co-card--desc text-component\"><p>Hable con nuestro equipo de hipotecas sobre su vivienda, lo que espera lograr y c\u00f3mo piensa utilizar los fondos.<\/p>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-card\">\n\t\t\t\t\t\t<figure class=\"co-card--media\">\t<svg\n\t\tclass=\"co-card--icon Number2\"\n\t\tviewbox=\"0 0 74 74\"\n\t\twidth=\"74\"\n\t\theight=\"74\"\n\t>\n\t\t<title>N\u00famero 2<\/title>\n\t\t<path fill=\"#b5be34\" d=\"M0 0h74v74H0z\"\/><path fill=\"#fff\" stroke=\"#473124\" stroke-width=\"2\" d=\"M38.48 13.8q3.017-.001 5.694.886l.001-.001c1.797.556 3.378 1.417 4.727 2.589 1.365 1.144 2.414 2.59 3.15 4.316l.143.331c.691 1.673 1.025 3.566 1.025 5.66 0 1.427-.147 2.75-.45 3.961l-.002.009q-.45 1.731-1.29 3.227a14 14 0 0 1-1.873 2.649 30 30 0 0 1-2.296 2.296l-.009.008-.008.008-10.857 9.341H53.58V59H21.94V48.014l.332-.298 16.5-14.82a30 30 0 0 0 2.436-2.494A3.95 3.95 0 0 0 42.22 27.7c0-1.164-.402-1.977-1.17-2.567l-.01-.008-.008-.007c-.853-.689-1.85-1.038-3.032-1.038-1.458 0-2.49.442-3.225 1.239-.753.858-1.194 1.922-1.298 3.24l-.078.991-.992-.072-9-.66-.979-.073.053-.98c.118-2.16.552-4.089 1.325-5.76l.16-.332c.858-1.757 2.004-3.231 3.44-4.407 1.428-1.168 3.085-2.025 4.957-2.58 1.905-.593 3.947-.886 6.117-.886Z\"\/>\t<\/svg>\n<\/figure>\n\t\t\t\t\t\t<div class=\"co-card--body\">\n\t\t\t\t\t\t\t<h3 class=\"co-card--heading\" >Revisa tus opciones<\/h3><div class=\"co-card--desc text-component\"><p>Revisaremos su historial crediticio, el capital disponible y otros detalles de su solicitud para determinar la l\u00ednea de cr\u00e9dito y las condiciones para las que podr\u00eda calificar.<\/p>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-card\">\n\t\t\t\t\t\t<figure class=\"co-card--media\">\t<svg\n\t\tclass=\"co-card--icon Number3\"\n\t\tviewbox=\"0 0 74 74\"\n\t\twidth=\"74\"\n\t\theight=\"74\"\n\t>\n\t\t<title>N\u00famero 3<\/title>\n\t\t<path fill=\"#b5be34\" d=\"M0 0h74v74H0z\"\/><path fill=\"#fff\" stroke=\"#473124\" stroke-width=\"2\" d=\"M37.4 13.8a21 21 0 0 1 5.642.75c1.872.468 3.532 1.239 4.966 2.321l.268.201a11.24 11.24 0 0 1 3.144 3.792l.162.314c.784 1.583 1.158 3.407 1.158 5.442 0 2.545-.672 4.78-2.055 6.654a8.8 8.8 0 0 1-3.161 2.656q.428.203.83.452a10 10 0 0 1 2.797 2.467 10.7 10.7 0 0 1 1.721 3.305A12.5 12.5 0 0 1 53.46 46c0 2.246-.445 4.264-1.366 6.027a12.5 12.5 0 0 1-3.583 4.365l-.003.003c-1.474 1.127-3.213 1.957-5.197 2.507q-2.904.82-6.15.818c-3.96 0-7.434-.919-10.379-2.797l-.006-.004c-2.98-1.929-4.905-4.955-5.83-8.953l-.225-.973.971-.226 9.48-2.22.996-.234.211 1c.285 1.353.836 2.351 1.611 3.064.752.656 1.935 1.063 3.71 1.063 1.806 0 2.925-.46 3.584-1.177l.001-.001c.767-.831 1.175-1.898 1.175-3.282 0-1.072-.234-1.733-.556-2.13l-.021-.026-.02-.027a3.2 3.2 0 0 0-1.474-1.148c-.679-.272-1.465-.434-2.37-.47l-.038-.002a37 37 0 0 0-2.921-.117h-3.1v-9.8h3.94q1.189 0 2.312-.169a6.2 6.2 0 0 0 1.85-.562 3.35 3.35 0 0 0 1.239-1.096c.267-.436.44-1.052.44-1.913 0-.963-.372-1.742-1.19-2.402l-.007-.006-.007-.006c-.796-.669-1.799-1.026-3.077-1.026-1.21 0-2.132.324-2.843.911-.76.63-1.24 1.386-1.466 2.291l-.234.931-.938-.193-9.9-2.04-1.032-.213.266-1.02c.506-1.942 1.276-3.626 2.327-5.027 1.032-1.416 2.266-2.565 3.702-3.436a15.6 15.6 0 0 1 4.679-1.86v.001a22.7 22.7 0 0 1 5.38-.625Z\"\/>\t<\/svg>\n<\/figure>\n\t\t\t\t\t\t<div class=\"co-card--body\">\n\t\t\t\t\t\t\t<h3 class=\"co-card--heading\" >Entienda los costos<\/h3><div class=\"co-card--desc text-component\"><p>Antes de seguir adelante, revise la tasa variable, las posibles comisiones, los requisitos de pago y dem\u00e1s t\u00e9rminos incluidos en su contrato.<\/p>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-card\">\n\t\t\t\t\t\t<figure class=\"co-card--media\">\t<svg\n\t\tclass=\"co-card--icon Number4\"\n\t\tviewbox=\"0 0 74 74\"\n\t\twidth=\"74\"\n\t\theight=\"74\"\n\t>\n\t\t<title>N\u00famero 4<\/title>\n\t\t<path fill=\"#b5be34\" d=\"M0 0h74v74H0z\"\/><path fill=\"#fff\" stroke=\"#473124\" stroke-width=\"2\" d=\"M49.62 14.52v26.4h5.46v9.56h-5.46V59H38.98v-8.52H20.44v-8.86l.164-.25 17.34-26.399.297-.451zm-17.348 26.4h6.708V30.495z\"\/>\t<\/svg>\n<\/figure>\n\t\t\t\t\t\t<div class=\"co-card--body\">\n\t\t\t\t\t\t\t<h3 class=\"co-card--heading\" >Acceso a fondos aprobados<\/h3><div class=\"co-card--desc text-component\"><p>Una vez que su l\u00ednea de cr\u00e9dito est\u00e9 activa, podr\u00e1 acceder al cr\u00e9dito disponible a medida que surjan necesidades que cumplan con los requisitos, sujeto a los t\u00e9rminos de su contrato.<\/p>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row next_row__multi-path-cta co-flex_row__faqs\"><div class=\"co-flex_row--row co-row\">\t<section class=\"co-accords_section\" aria-label=\"Preguntas frecuentes\">\n\t\t\t\t<header class=\"co-intro_text\">\n\t\t\t<h2 class=\"co-intro_text--title\">Preguntas frecuentes<\/h2>\t\t<\/header>\n\t\t\t\t<div class=\"co-accordion\" data-animation=\"on\" data-multi-items=\"on\" data-display-accordion-open=\"false\">\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"3060\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"co-accordion--header js-accord_toggle closed\"\n\t\t\t\t\t>\n\t\t\t\t\t\t\u00bfQu\u00e9 es el patrimonio inmobiliario?\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewbox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"co-accordion--panel js-accord_content text-component\"><p>El patrimonio neto de una vivienda es la diferencia entre el valor actual de su casa y la cantidad que a\u00fan debe de los pr\u00e9stamos garantizados por la propiedad.<\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"3061\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"co-accordion--header js-accord_toggle closed\"\n\t\t\t\t\t>\n\t\t\t\t\t\t\u00bfC\u00f3mo funciona una l\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria sobre la vivienda?\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewbox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"co-accordion--panel js-accord_content text-component\"><p>Una l\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria (HELOC) es una l\u00ednea de cr\u00e9dito rotativa respaldada por su vivienda. Puede acceder a los fondos disponibles hasta el l\u00edmite aprobado durante el per\u00edodo de pr\u00e9stamo estipulado en su contrato.<\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"3062\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"co-accordion--header js-accord_toggle closed\"\n\t\t\t\t\t>\n\t\t\t\t\t\t\u00bfPara qu\u00e9 puedo usar una l\u00ednea de cr\u00e9dito hipotecaria (HELOC)?\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewbox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"co-accordion--panel js-accord_content text-component\"><p>Es posible que pueda utilizar su cr\u00e9dito disponible para renovaciones, mejoras, reparaciones y otras necesidades aprobadas. Hable con nuestro equipo de hipotecas sobre sus planes.<\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"3063\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"co-accordion--header js-accord_toggle closed\"\n\t\t\t\t\t>\n\t\t\t\t\t\t\u00bfCu\u00e1nto puedo pedir prestado?\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewbox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"co-accordion--panel js-accord_content text-component\"><p>El monto disponible depender\u00e1 del valor de su vivienda, su saldo pendiente, su historial crediticio y nuestros requisitos de relaci\u00f3n pr\u00e9stamo-valor. Revisaremos estos detalles al momento de su solicitud.<\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"3064\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"co-accordion--header js-accord_toggle closed\"\n\t\t\t\t\t>\n\t\t\t\t\t\t\u00bfEl tipo de inter\u00e9s es fijo?\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewbox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"co-accordion--panel js-accord_content text-component\"><p>No. Nuestra tasa de inter\u00e9s para la l\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria (HELOC) es variable. Est\u00e1 vinculada a la tasa preferencial m\u00e1s un margen basado en su puntaje crediticio y la relaci\u00f3n pr\u00e9stamo-valor.<\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"3066\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"co-accordion--header js-accord_toggle closed\"\n\t\t\t\t\t>\n\t\t\t\t\t\t\u00bfCon qu\u00e9 frecuencia puede cambiar la tasa?\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewbox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"co-accordion--panel js-accord_content text-component\"><p>Las tasas pueden ajustarse dos veces al a\u00f1o, en febrero y agosto. Los ajustes se basan en la tasa preferencial publicada en enero y julio.<\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"3070\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"co-accordion--header js-accord_toggle closed\"\n\t\t\t\t\t>\n\t\t\t\t\t\t\u00bfRecibir\u00e9 todo el dinero de una sola vez?\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewbox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"co-accordion--panel js-accord_content text-component\"><p>Una l\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria (HELOC) es una l\u00ednea de cr\u00e9dito, no un pr\u00e9stamo \u00fanico de suma global. Puede acceder a los fondos aprobados seg\u00fan los necesite, sujeto a los l\u00edmites de endeudamiento y los t\u00e9rminos de su contrato.<\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<div class=\"co-accordion--cta\"><p>\u00bfNo encuentras lo que buscas? <a href=\"https:\/\/www.heritagesouth.org\/es\/preguntas-frecuentes-faq\/\">Ver todas las preguntas frecuentes<\/a><\/p>\n<\/div>\t<\/section>\n<\/div><\/div>\n\n<div class=\"co-flex_row next_row__related-products co-flex_row__multi-path-cta\"><div class=\"co-flex_row--row co-row\">\t<div class=\"co-mp_ctas\">\n\t\t\t\t<header class=\"co-intro_text has_intro\">\n\t\t\t<h2 class=\"co-intro_text--title\">Hablemos de lo que tienes planeado.<\/h2><div class=\"co-intro_text--intro text-component\"><p>Cu\u00e9ntenos qu\u00e9 espera lograr con el valor acumulado de su vivienda. Le escucharemos, le explicaremos sus opciones y le ayudaremos a comprender el siguiente paso.<\/p>\n<\/div>\t\t<\/header>\n\t\t\t\t<div class=\"co-mp_ctas--list prow justify-center\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-mp_cta pcol-lg:4\">\n\t\t\t\t\t<div class=\"co-mp_cta--title\">\n\t\t\t\t\t\t\u00a1Comencemos!\t\t\t\t\t<\/div>\n\t\t\t\t\t<a class=\"co-mp_cta--link gtm-button\" href=\"https:\/\/www.heritagesouth.org\/es\/preguntas-frecuentes-faq\/contactanos\/\" >Solicita una l\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria (HELOC).<\/a>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-mp_cta pcol-lg:4\">\n\t\t\t\t\t<div class=\"co-mp_cta--title\">\n\t\t\t\t\t\tVisite una sucursal\t\t\t\t\t<\/div>\n\t\t\t\t\t<a class=\"co-mp_cta--link gtm-button\" href=\"https:\/\/www.heritagesouth.org\/es\/ubicaciones-cajeros-automaticos\/\" >Encu\u00e9ntranos cerca de ti<\/a>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-mp_cta pcol-lg:4\">\n\t\t\t\t\t<div class=\"co-mp_cta--title\">\n\t\t\t\t\t\tHabla con nuestro equipo.\t\t\t\t\t<\/div>\n\t\t\t\t\t<a class=\"co-mp_cta--link gtm-button\" href=\"https:\/\/www.heritagesouth.org\/es\/preguntas-frecuentes-faq\/contactanos\/\" >Cont\u00e1ctanos<\/a>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row next_row__back-to-top co-flex_row__related-products\"><div class=\"co-flex_row--row co-row\">\t<div class=\"co-rel_prods center-narrow\">\n\t\t\t\t<header class=\"co-intro_text\">\n\t\t\t<h2 class=\"co-intro_text--title\">Tambi\u00e9n te puede interesar<\/h2>\t\t<\/header>\n\t\t\t\t\t<div class=\"co-rel_prods--cols prow prow-md:2 justify-center\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-rel_prods--col\">\n\t\t\t\t\t\t<div class=\"co-rel_prods--col_inner\">\n\t\t\t\t\t\t\t<h3 class=\"co-rel_prods--col_title\">Refinanciamiento hipotecario<\/h3><div class=\"co-rel_prods--col_desc text-component\"><p class=\"isSelectedEnd\">La refinanciaci\u00f3n consiste en sustituir su hipoteca actual por una nueva. Puede ayudarle a reducir su tipo de inter\u00e9s o su cuota mensual, modificar el plazo del pr\u00e9stamo o elegir una hipoteca que se ajuste mejor a sus necesidades actuales.<\/p>\r\n <\/div><a class=\"co-rel_prods--col_cta\" href=\"https:\/\/www.heritagesouth.org\/es\/loans-credit-cards\/real-estate-loans\/refinance-home\/\" target=\"_blank\" aria-label=\"Obtenga m\u00e1s informaci\u00f3n sobre la refinanciaci\u00f3n hipotecaria.\">M\u00e1s informaci\u00f3n<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"co-rel_prods--col\">\n\t\t\t\t\t\t<div class=\"co-rel_prods--col_inner\">\n\t\t\t\t\t\t\t<h3 class=\"co-rel_prods--col_title\">Pr\u00e9stamos para autom\u00f3viles<\/h3><div class=\"co-rel_prods--col_desc text-component\"><p>Financia un auto o camioneta, nuevo o usado, o explora las opciones de refinanciamiento para el veh\u00edculo que ya tienes. \u00a1D\u00e9janos ver si podemos ayudarte con tu pr\u00f3ximo auto!<\/p>\n<\/div><a class=\"co-rel_prods--col_cta\" href=\"https:\/\/www.heritagesouth.org\/es\/loans-credit-cards\/auto-vehicle-loans\/auto\/\" target=\"_blank\" aria-label=\"Obt\u00e9n m\u00e1s informaci\u00f3n sobre pr\u00e9stamos para autom\u00f3viles.\">M\u00e1s informaci\u00f3n<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__last co-flex_row__back-to-top\"><div class=\"co-flex_row--row co-row\"><div class=\"co-back_top\">\n\t<a class=\"co-back_top--link\" href=\"#\">\n\tVolver arriba\t<img loading=\"lazy\" decoding=\"async\" class=\"co-back_top--link_icon\" src=\"https:\/\/www.heritagesouth.org\/wp-content\/themes\/heritagesouth-theme\/images\/back-to-top-arrow.svg\" width=\"33\" height=\"33\" alt=\"\" aria-hidden=\"true\">\n\t<\/a>\n<\/div>\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>A Home Equity Line of Credit, or HELOC, lets you borrow against the available equity in your home. Once approved, you can access funds from your available credit line as needs come up. This can make a HELOC helpful for projects or expenses that happen over time instead of all at once. Use your approved credit line when an eligible … <a href=\"https:\/\/www.heritagesouth.org\/es\/loans-credit-cards\/real-estate-loans\/home-equity-line-credit\/\">Continue reading <span class=\"meta-nav\">\u2192<\/span><\/a><\/p>","protected":false},"author":10,"featured_media":0,"parent":2659,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"class_list":["post-2661","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Home Equity Line of Credit - Heritage South Community Credit Union<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.heritagesouth.org\/es\/prestamos-tarjetas-de-credito\/prestamos-inmobiliarios\/linea-de-credito-con-garantia-hipotecaria-sobre-la-vivienda\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Home Equity Line of Credit - Heritage South Community Credit Union\" \/>\n<meta property=\"og:description\" content=\"A Home Equity Line of Credit, or HELOC, lets you borrow against the available equity in your home. Once approved, you can access funds from your available credit line as needs come up. This can make a HELOC helpful for projects or expenses that happen over time instead of all at once. Use your approved credit line when an eligible … Continue reading →\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.heritagesouth.org\/es\/prestamos-tarjetas-de-credito\/prestamos-inmobiliarios\/linea-de-credito-con-garantia-hipotecaria-sobre-la-vivienda\/\" \/>\n<meta property=\"og:site_name\" content=\"Heritage South Community Credit Union\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-22T19:30:37+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.heritagesouth.org\\\/loans-credit-cards\\\/real-estate-loans\\\/home-equity-line-credit\\\/\",\"url\":\"https:\\\/\\\/www.heritagesouth.org\\\/loans-credit-cards\\\/real-estate-loans\\\/home-equity-line-credit\\\/\",\"name\":\"Home Equity Line of Credit - Heritage South Community Credit Union\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.heritagesouth.org\\\/#website\"},\"datePublished\":\"2026-06-22T21:12:17+00:00\",\"dateModified\":\"2026-10-22T19:30:37+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.heritagesouth.org\\\/loans-credit-cards\\\/real-estate-loans\\\/home-equity-line-credit\\\/#breadcrumb\"},\"inLanguage\":\"es-ES\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.heritagesouth.org\\\/loans-credit-cards\\\/real-estate-loans\\\/home-equity-line-credit\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.heritagesouth.org\\\/loans-credit-cards\\\/real-estate-loans\\\/home-equity-line-credit\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.heritagesouth.org\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Loans & Credit Cards\",\"item\":\"https:\\\/\\\/www.heritagesouth.org\\\/loans-credit-cards\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Real Estate Loans\",\"item\":\"https:\\\/\\\/www.heritagesouth.org\\\/loans-credit-cards\\\/real-estate-loans\\\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Home Equity Line of Credit\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.heritagesouth.org\\\/#website\",\"url\":\"https:\\\/\\\/www.heritagesouth.org\\\/\",\"name\":\"Heritage South Community Credit Union\",\"description\":\"We help when others wont\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.heritagesouth.org\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es-ES\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"L\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria - Cooperativa de cr\u00e9dito comunitaria Heritage South","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.heritagesouth.org\/es\/prestamos-tarjetas-de-credito\/prestamos-inmobiliarios\/linea-de-credito-con-garantia-hipotecaria-sobre-la-vivienda\/","og_locale":"es_ES","og_type":"article","og_title":"Home Equity Line of Credit - Heritage South Community Credit Union","og_description":"A Home Equity Line of Credit, or HELOC, lets you borrow against the available equity in your home. Once approved, you can access funds from your available credit line as needs come up. This can make a HELOC helpful for projects or expenses that happen over time instead of all at once. 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