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Home Equity
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Thank you for choosing Georgia’s own!
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:
- Low Rates* (subject to change monthly)
- Lines of credit from $10,000 up to $300,000**
- No closing costs*
- Interest may be tax deductible***
Important Links:
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 $300,000 with no closing costs* and interest that may be tax deductible.**
*Rates are variable and subject to change. Your Annual Percentage Rate (APR) may differ from the one shown and will be based on your credit worthiness and loan to value. 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 No closing costs offer may be withdrawn without notice.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 if the loan is paid in full within 36 months.**Maximum loan amount is $250,000 for CLTV above 80%, but not exceeding 95% with mortgage insurance approval. Maximum loan amount is $300,000 if CLTV is 80% or less. Required minimum initial advance of $5,000. Investment and rental properties cannot be vacant. Will pay up front for full appraisal. At funding, appraisal costs will be refunded. ***Please consult your tax advisor.
Penny
Hoschton
Georgia's Own was there for us during our adoption process and ensured we had the financing we needed to bring home our son. Thank you for helping us become a family! Experience the difference.
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Penny
Hoschton
Going Green
Caring for our members is just the beginning. We also care for the environment and want to help you do your part. Enjoy a 1% rebate on your ReadiEquity Line of Credit or Fixed-Rate Home Equity Loan when you use it for Energy Star qualified home improvements. Proof of purchase is required for up to one rebate per year. For a list of Energy Star products, visit www.energystar.gov.
Second Homes & Rental Properties
Yes, we also offer fixed-rate loans on second homes and rental properties. Terms vary, so contact one of our advisors for details.