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 4.75% APR* (subject to change monthly)
• Lines of credit from $10,000 up to $300,000**
• No closing costs*
• Interest may be tax deductible***

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*Rates as low as 4.75% APR. 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 No closing costs offer may be withdrawn without notice.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. 

Important Links:

• What You Should Know about Home Equity Lines of Credit
• Home Equity Line of Credit Early Disclosure