Home Equity Lines of Credit

HelocThe choice of how to use your HELOC will depend on your personal situation and preference. Whether replacing the dinosaur A/C, installing the dream pool or preparing for that bucket list vacation, a HELOC offers greater flexibility, and easy access to funds on an ongoing basis.

Home Equity Line of Credit

Home improvement projects can become your favorite thing when you put your home equity to work for you. Apply online and let’s get started.

Summary of Benefits:

  • For a wide range of expenses:
    • Home improvements
    • Medical expenses
    • Renovation projects
    • College education
    • Personal business start-ups
    • And more!
  • Utilize the equity in your home as collateral
  • Accommodating terms, customized according to your unique needs
  • Direct, anytime access to funds without reapplying
  • Revolving credit – when you repay, your limit is replenished for future borrowing
  • Only pay interest on the part that is used
  • Quick approval process; local decision-making and processing
  • Personalized Banking  – attentive, expert service from beginning to end

Disclosure & Requirements: To obtain a Home Equity Line of Credit, (Line), (A) you must be a resident of the State of Georgia, (B) you must provide an enforceable first or second lien on your primary residence (single family dwelling) located within the state of Georgia, (C) the minimum line amount is $25,000, (D) the maximum line amount is $250,000, and (E) a minimum draw of $25,000 is required at account opening. Property insurance is required, including flood insurance if applicable.  All Lines are subject to credit approval.  All terms are subject to change.

Equal Housing Lender. The bank makes loans and extends credit without regard to race, color, religion, national origin, sex, handicap, or family status.

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