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HOME EQUITY LINES & LOANS

Open up a World of Possibilities

Tap into your home’s equity

The equity in your home can be used your way and on your terms.

Apply Now

No hidden fees

No closing costs, no origination fee, no application fee.

Below market rates

Rates as low as 

Visit our mortgage center for current rates

and even lower 6-month intro rates.

Flexible terms

Enjoy open-ended credit with payment terms up to 20 years.

Compare your options

  • Best if you want:

    Best if you want:

  • Maximum loan amount

    Maximum loan amount

  • Terms

    Terms

  • Origination fee

    Origination fee

  • Application fee

    Application fee

  • Closing costs

    Closing costs

Fixed-Rate Second Mortgage

  • Best if you want:

    A closed-end loan taken against your existing home, borrowing against your home's equity.

  • Maximum loan amount

    $150,000

  • Terms

    Up to 20 years

  • Origination fee

    No

  • Application fee

    No

  • Closing costs

    Lender credit towards closing costs

Home Equity Line of Credit

  • Best if you want:

    A revolving credit line using the equity in your home as collateral.

  • Maximum loan amount

    $150,000

  • Terms

    20 years

  • Origination fee

    No

  • Application fee

    No

  • Closing costs

    No closing costs

Visit our Mortgage Loan Center to see today’s rates

See mortgage loan rates

Home Equity Lines & Loans Calculators

Home Equity Lines & Loans FAQs

You can borrow up to 90% of appraised value, less balance on 1st mortgage (based on credit score).

  • Max loan amounts up to $150,000.00
  • Minimum Loan amount $10,000.00

The minimum monthly payment is $100. Payments are based on the repayment period and balance owed at the time of rate change or advance.

No. All home construction must be 100% complete to qualify for a home equity loan.

See all Home Equity Loans & Lines FAQs
Stop by one of our branches
Find your nearest branch
Apply online for a home equity loan or line
Apply now

Disclosures

Available in MS, LA, AL, FL.

Available on primary residence only.

Home Equity Loan or Line of Credit Payment Example: Assumes credit score for borrower is 740 or higher. A typical Home Equity Line of Credit as of October 31, 2019 with a 4.75% APR, and $30,000 financed for 20 years, is approximately $193.87 per month.

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