Georgia's Own will be closed on Monday, January 18th in observance of Martin Luther King, Jr. Day.
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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.
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:
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 No closing costs offer may be withdrawn without notice.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.
Yes, we also offer fixed-rate loans on second homes and rental properties. Terms vary, so contact one of our advisors for details.
A point is equal to one percent of the principal amount of your mortgage. For example, if you get a mortgage for $100,000, one point means you pay $1000 to the lender. These points are usually collected at closing and may be paid by the borrower or the home seller, or may be split between them.
A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees.
These sample rates are published weekdays at 10:00am EST.
The information provided is general and assumes only the following scenario:
5/5 ARM
30-Year Fixed
15-Year Fixed
