Home Equity Loans

When it comes to funding life’s big ticket items, our Home Equity* lending options make perfect financial sense. Maybe you’d love to send your kids to college, consolidate your debt, or finally get that gourmet kitchen you’ve been dreaming about. Let us help you tap into the equity you have built up over the years with a Home Equity Loan (one-time payout) or a Home Equity Line of Credit (flexible buying power).

Keep these things in mind when considering our Home Equity options:

  • Available in all 50 states
  • Borrow up to 90% of available equity ( property value less first mortgage balance)**
  • Primary Residence only
  • Competitive rates with low closing costs
  • Quick loan approval
  • No prepayment penalty
In addition to the features listed above, our Home Equity Closed-End Loan offers:
  • Fixed rate for the life of the loan
  • Flexible terms: 5, 10 and 15 years

and our Home Equity Line of Credit (HELOC) offers:

  • Variable rates based on prime rate +/- a margin***
  • No annual fee
  • Easy access to funds via E-Banking
  • 5 year draw period with 15 year repayment period
  • Annual rate cap of 2%

Check out our Home Equity loan rates.

Apply for a Home Equity Loan today!

*All loan programs are subject to credit approval; rates may vary depending on individual credit history and underwriting factors; all loan programs, rates and conditions are subject to change at any time without notice.

** Property value will be determined by an appraisal report or Automated Valuation Method (AVM). Property value on properties owned for less than 12 months will be determined by the lesser of the current appraised value or purchase price.

*** Rates adjust quarterly based on the published Wall Street Journal Prime Rate as of the last day of each quarter. HELOC’s carry a minimum rate of 4.0% and a maximum rate of 18%

Note: Texas properties are limited to 80% of the available equity. Other restrictions apply to Texas properties, call for more details.

Contact us at 404-676-2586 or toll free 877-277-2586 for more information on our Home Equity lending options.