Rates

Fixed-Rate Seconds & HELOCs

Product / TermsMax LTVAPRMonthly Payments Per $1,000
Adjustable Home Equity Revolving Line of Credit*80%4.000%*$10.00
5 Year Fixed-Rate Equity Minimum $10,00070%4.000%$18.42
5 Year Fixed-Rate Equity Minimum $10,00085%4.950%$18.85
7 Year Fixed-Rate Equity Minimum $10,00070%4.500%$13.90
7 Year Fixed-RateEquity MInimum $10,00085%5.950%$14.58
10 Year Fixed-Rate Equity Minimum $25,00070%5.000%$10.61
10 Year Fixed-Rate Equity Minimum $25,00085%6.450%$11.33
15 Year Fixed-Rate Equity Minimum $35,00070%6.000%$8.44
15 Year Fixed-Rate Equity Minimum $35,00085%6.500%$8.71

Like our rates and want to meet with a loan officer? Call 770.448.8200, Ext. 2141 for your appointment today. Available in Alabama, Georgia, Florida, North Carolina, South Carolina, and Tennessee.


* APR = Annual Percentage Rate. The annual percentage rate is based on the value of an index. The index is the “Prime Rate” published in the Money Rates section of the Wall Street Journal. The annual percentage rate may change on the first day of each calendar quarter. The annual percentage rate as of 04/01/2015 is 4.000%. The maximum annual percentage rate is 18.00% with a floor of 4.00%. Subject property must be the primary residence of the borrower and located within the states of Georgia, Florida, North Carolina, South Carolina, Alabama, and Tennessee. If your home is located in the state of Georgia, you will be required to pay an attorney fee which usually totals between $300.00 and $600.00 for title examination and closing and a recording fee which usually totals between $16.00 and $20.00. If your home is located outside of the state of Georgia, you will be required to pay attorney’s fees and recording fees and taxes which usually total between $400.00 and $800.00. If we deem an appraisal on your home is necessary, then, you must pay an appraisal fee that is usually between $100.00 and $500.00. There are no other fees or charges assessed to open your line of credit. There are no fees or charges assessed to maintain your line of credit. Subject property must have hazard insurance coverage and if applicable, flood insurance coverage. The minimum loan amount is $10,000 and the maximum loan amount is $100,000. Some restrictions may apply.

APR = Annual Percentage Rate. LTV = Loan To Value. Rate may vary with term. Loans up to 85% of appraised value, less first mortgage balance. All rates and terms subject to change without notice. These offers may be withdrawn. Mortages available in Alabama, Georgia, Florida, North Carolina, South Carolina, and Tennessee.

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