Home Equity

Unlock the financial flexibility of your home by applying for a Georgia’s Own home equity loan. If you are a homeowner, you can use your home’s equity to cover home repairs or renovations, medical expenses, college tuition, bill consolidation, or a little extra cash flow – whatever you need.

ReadiEquity Line of Credit

Get your cash with extra convenience. Our ReadiEquity Line of Credit is a revolving credit line that offers easy access to your funds with ReadiEquity checks, online banking, and TeleTalk Plus.

ReadiEquity LOC offers:

Rates as low as 5.50% APR* (subject to change monthly)
Lines of credit from $10,000 up to $250,000**
No closing costs*
Interest may be tax deductible***

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*Your Annual Percentage Rate (APR) may differ from the one shown and will be based on your credit worthiness and loan to value. Please ask a loan officer for details on how your rate is determined. The rate is variable and may change. Rate may not exceed 18% at any time. Property and/or flood insurance may be required. Terms, rates, and conditions are subject to change without notice. No closing costs offer may be withdrawn without notice. ReadiEquity has early closure fee of $240. **Maximum loan amount is $250,000 if LTV is 80% or less. Maximum loan amount is $100,000 if LTV is > 80%. Required minimum initial advance $5,000. ***Please consult your tax advisor.

Home Equity Fixed-Rate Loan

For stability and predictability, our Home Equity Fixed-Rate Loan offers one rate throughout the life of your loan. Borrow anywhere from $10,000 to $250,000 with no closing costs and interest that may be tax deductible.

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